Future Value / Present Value Calculator
Solve for future value or present value of a single lump sum at a fixed rate.
🔒 Runs entirely in your browser — nothing here is ever uploaded
About the Future Value / Present Value Calculator
Solves the time-value-of-money relationship between a single lump sum's present value and future value after compounding at a fixed rate for a number of periods — choose which one you're solving for.
- Choose whether you're solving for Future value or Present value.
- Enter the known Amount.
- Enter the Rate per period and Number of periods — make sure they use matching units.
- Read the solved value in the result panel.
Solving for future value: $10,000 today at 5% per period for 10 periods grows to about $16,288.95 — a growth factor of (1.05)^10 ≈ 1.6289.
This models a single lump sum only — it doesn't include recurring contributions or withdrawals. The rate and number of periods must use consistent units: mixing an annual rate with a monthly period count will give a meaningless answer.
- • If you're discounting a future amount back to today, a higher assumed rate always produces a smaller present value.
- • Small changes in the rate compound significantly over many periods — compounding is exponential, not linear.
- • Make sure your rate and period count use the same time unit.
Illustrative estimate only, not financial or tax advice. Verify figures with a licensed adviser or your local tax authority.