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Future value calculator

Project a lump sum plus regular contributions to a final balance, with a paid-in versus growth split and a year-by-year table.

Enter a starting amount or a contribution to project the balance.

This projection assumes the same return every year, which real markets never do. It knows nothing about taxes, inflation, fees, or a bad decade, and the rate you type is a nominal annual figure: with monthly compounding it is divided by twelve each period rather than treated as an effective yearly rate. Growth on a long horizon usually outgrows the money you paid in, which is the honest appeal of starting early, but the table is arithmetic, not a promise.
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