Future Value Calculator

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Future Value Calculator

The worth of something you own isn't always the same. It changes because of things like inflation and the profits it brings in. Inflation slowly reduces its value, but the profits you make add to it. Usually, you earn more from your assets than what inflation takes away, so it grows over time. To figure out how much it will grow, you can use a future value calculator. This helps individuals and businesses know how much their assets will be worth in the future.

What is a Future Value Calculator?

A future value calculator is a tool that predicts how much your money will grow over time if you invest it. It helps you see what your investment will be worth in the future.

How does the Future Value Calculator Work?

The future value calculator helps you figure out how much your savings will grow over time. It takes into account the amount you regularly deposit, the interest rate, and how many years you plan to save for:

A = PMT ((1+r/n)^nt – 1) / (r/n))


A = Future Value of the Investment

PMT = Payment amount for each period

n = Number of compounds per period

t = Number of periods the money is invested

Benefits of Future Value Calculator

Following are some of the advantages of using future value calculator:

  • The Future Value Calculator predicts how much money you'll have in the future if you invest a certain amount now.
  • You can pick investments that give you more money than the rising cost of living over time.
  • This tool helps you figure out if you should put more money in, deposit money more frequently, or choose the best investment option for the highest returns.
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What is future value (FV)?

Future value is the value of an investment or cash flow at a specified date in the future, based on a certain rate of return or interest rate.

How is future value calculated?

Future value can be calculated using the formula: A = PMT ((1+r/n)^nt – 1) / (r/n)), where A is Future Value of the Investment, PMT is Payment amount for each period, n is Number of compounds per period, and t is Number of periods the money is invested.

Why is future value important?

Future value helps individuals and investors determine the potential growth of their investments over time, allowing them to make informed financial decisions.

What factors influence future value?

The main factors that influence future value include the initial investment amount (present value), the interest rate or rate of return, and the time period for which the investment grows.

How often should I review future value calculations for my investments?

It's advisable to review future value calculations periodically, especially when there are changes in investment strategies, interest rates, or financial goals.