FINANCE · FREE TOOL
Present & future value calculator
Solve a monthly contribution scenario for future value or the initial balance needed.
Your inputs
Enter your values, then calculate.
Decimal-point numbers; displayed rounding does not change internal values. Calculations stay on this device.
YOUR RESULT
Make the numbers clear.
Save calculation JSON ↓Calculation breakdown
Scroll sideways to see every column. You can also focus the table and use the arrow keys.
How this calculation works
Future mode uses ordinary-annuity compounding with deposits at each month’s end. Present mode subtracts the future contribution value from your target, then discounts the remainder. Negative required balances are rejected because this model assumes saving, not borrowing.
Check the assumptions
Use one currency consistently; financial outputs use that same currency, except the U.S. tax tool specifically uses USD. Financial models use your assumptions, not live rates or personalized financial advice. Check the result against your contract or the applicable tax rules.