☰

Present Value and Future Value Calculator

Move a lump-sum amount forward or backward through time using a chosen annual rate.

Your inputs

Your result

Enter your information and select Calculate to see the result.

How this calculator works

Future value multiplies by the annual compound-growth factor. Present value divides by the same factor to discount a future lump sum.

Change one assumption at a time to see which inputs have the greatest effect on the estimate.

Worked example

$1,000 compounded at 5% for two years has a future value of $1,102.50.

Limitations

The calculation assumes one annual rate and annual compounding, with no cash flows, fees, or taxes. Editorial review is required before publication.

Review this educational estimate against current quotes, official information, and your own budget before making a financial decision.