ConvertOnlineFuture Value Calculator with Recurring Deposits
Report source: https://convertonline.org/calculators/future-value-calculator
Project a starting amount and equal recurring deposits forward through a chosen number of periods using a consistent periodic growth rate.
Future Value Calculator
Estimated future value
Calculation schedule
| Period | Cash flow | Present value | Cumulative value |
|---|
Future Value Calculator formula
FV of the starting amount = PV × (1 + r)ⁿ. FV of end-of-period deposits = deposit × [(1 + r)ⁿ − 1] ÷ r.
Use the same period for the rate, deposit interval, and number of periods. For monthly deposits, enter a monthly rate and the number of months.
Assumptions and limitations
- The growth rate is constant for every period.
- Deposits are equal and occur at the selected beginning or end of each period.
- Taxes, fees, withdrawals, inflation, and investment volatility are excluded.
Worked example
Example: $1,000 plus ten deposits
Start with $1,000, add $100 at the end of each period, and earn 6% per period for 10 periods.
The estimated future value is about $3,108.93. Total contributions are $2,000 and estimated growth is about $1,108.93.
Frequently asked questions
What does future value show?
It estimates what a current amount and recurring deposits may grow to after the entered number of periods.
How should I align the rate and deposits for future value?
The rate applies once per period, so the deposit interval and period count must use that same period.
How does beginning deposit timing change FV?
Each deposit receives one additional period of growth, so beginning-of-period deposits produce a higher future value.
This calculator provides an estimate for planning and education. Actual cash flows, rates, taxes, fees, inflation, and investment outcomes may differ.