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Future Value Calculator
See how an amount of money could grow over time. Enter your starting balance, an assumed annual interest rate and a time period, then choose how often interest compounds. This future value calculator shows your projected balance, interest earned and a year-by-year breakdown, with every assumption kept visible.
Open calculator →Build a savings habitFuture Value Calculator with Contributions
Project a starting balance plus recurring deposits. Choose how often you contribute, when each deposit arrives and whether the amount increases annually. See your own deposits separately from modeled interest.
Open calculator →Equal payments · future valueFuture Value of Annuity Calculator
Find the accumulated value of a fixed series of equal payments. Enter a rate per payment period, select ordinary or beginning-period timing, and compare both annuity results.
Open calculator →Interest on interestCompound Interest Calculator
Explore how compound interest accumulates and compare annual, semiannual, quarterly, monthly and daily compounding at the same nominal rate. Optional deposits are modeled on their own payment schedule.
Open calculator →Compare three possibilitiesInvestment Growth Calculator
Keep the starting balance and monthly deposits fixed while comparing three return-and-fee scenarios. See the range of modeled outcomes, fees deducted and lost growth relative to each matching no-fee scenario.
Open calculator →Discount & evaluate cash flows
Present Value Calculator
Calculate how much a future lump sum is worth today at your chosen discount rate. See the discount factor and the equivalent present amount, with rate and time conventions made explicit.
Open calculator →One equation · five unknownsTime Value of Money Calculator
Solve for present value, future value, payment, periodic rate or periods. Money paid out is negative and money received is positive. All periods must use the same unit; the unknown field is excluded from the inputs.
Open calculator →Equal payments · present valuePresent Value of Annuity Calculator
Discount equal payments to their value at time zero. Compare payments at the end of each period with payments at its beginning, including the zero-rate case.
Open calculator →Discount unequal paymentsPresent Value of Cash Flows Calculator
Enter an unequal series of future payments and discount every one separately. Positive values are inflows and negative values are outflows. The first row occurs at the end of period one.
Open calculator →Evaluate a cash-flow streamNet Present Value Calculator
Compare the discounted value of future cash flows with an initial cost. The initial outlay is counted once at time zero; future rows begin at period one. NPV is a model result, not an investment recommendation.
Open calculator →Bring unequal payments forwardFuture Value of Cash Flows Calculator
Accumulate an unequal series of signed cash flows to one future period. Every payment earns growth only from its own period to the selected horizon.
Open calculator →Inflation & returns
Inflation Adjusted Investment Calculator
Translate a projected investment balance into today’s purchasing power, or estimate a future cost from today’s price. Inflation is your assumption here, not a forecast or a historical observation.
Open calculator →Historical purchasing powerDollar Value Over Time Calculator
Compare US dollar purchasing power between two supported months using a documented BLS CPI-U snapshot. This tool uses observed monthly price indexes from January 2016 through December 2024; it does not estimate missing or future observations.
Open calculator →Find the growth rateAnnualized Return and CAGR Calculator
Calculate total return and compound annual growth rate from starting and ending values. This calculation assumes no deposits or withdrawals between the two measurements.
Open calculator →Retirement & withdrawals
Retirement Savings Growth Calculator
Explore how current savings and regular contributions could accumulate between your current and target retirement age. Compare the nominal balance with today’s purchasing power after an assumed annual balance fee.
Open calculator →Explore the spending phaseInvestment Withdrawal Calculator
Model regular withdrawals from an investment balance. See the remaining balance, any depletion point and spending that cannot be funded. A constant return does not capture market volatility or sequence-of-returns risk.
Open calculator →Employee savings + employer match401(k) Growth Calculator
Separate employee contributions from a hypothetical employer match. Enter the plan’s matching percentages and your own caps. This growth model does not enforce statutory limits, eligibility, vesting or tax rules.
Open calculator →Compare account growth assumptionsIRA Growth Calculator
Compare traditional and Roth IRA growth scenarios side by side using separate contributions and assumed rates. Values are before any account-specific taxes; this is not an eligibility or tax-benefit calculation.
Open calculator →Stocks, bonds, loans & deposits
Stock and ETF Growth Calculator
Separate a share-price scenario from portfolio total return. In total-return mode, dividends are already included. A separate annual dividend reinvestment mode allows fractional shares and explicitly modeled fees.
Open calculator →Value coupons and redemptionBond Present Value Calculator
Estimate a bond’s price on a coupon date by discounting each remaining coupon and its redemption value. Yield is nominal annual with matching coupon frequency. Accrued interest and settlement adjustments are excluded.
Open calculator →Understand unpaid loan growthLoan Future Value Calculator
Estimate an unpaid loan balance or add regular end-of-month repayments. The model caps the final payment at the amount owed and reports payoff without allowing a negative debt balance.
Open calculator →A deposit through maturityMaturity Value Calculator
Compare interest retained in a deposit with interest paid out during its term. This is a generic maturity model; it does not assume a particular bank’s early-withdrawal rules, offered rate or day-count convention.
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