Future Value Calculator
Future value from present value, rate and years.
How it works
FV = PV × (1 + r)^t
FV is PV grown at compound interest (a lump-sum investment).
Worked example
100,000 at 5% for 10 years: FV = 100000 × 1.05¹⁰ ≈ 162,889, a gain of ~62,900.
At 7% the same decade gives ~196,715 — two percentage points are worth 34,000.
Notes and limitations
Future value assumes a constant return and no further contributions. In reality volatility, fees and taxes reduce it — use after-tax, after-fee returns for a realistic estimate.