The Smart Calc

Future Value Calculator

Compute future value of a lump sum or recurring periodic investment.

Parameters

$
$
%
yrs

Results

Total Future Value

$50,969.84

Total Capital Contributed

$34,000.00

Total Interest Earned

$16,969.84

Future Value Financial Mathematics

How It Works

Calculates future value using FV = PV(1+r)^n + PMT[((1+r)^n - 1)/r] for compound interest and recurring contributions.

How to Use

1. Select mode (Lump Sum, Annuity, or Both). 2. Input starting amount, periodic contribution, interest rate, and years. 3. View total future value breakdown.

Understanding the Results

Future Value shows projected total wealth at the end of the investment period.

Future Value FAQ

FAQ

What is the difference between Annuity Immediate and Annuity Due?

Annuity Immediate payments occur at the end of each period, while Annuity Due payments occur at the beginning, earning one extra period of interest.

Can I calculate future value without recurring contributions?

Yes. Set calculation mode to Lump Sum or enter 0 for periodic contribution.