Future Value of a Lump Sum Calculator
See what today’s money becomes.
Result
How to use
- Enter your values in the fields above.
- Press Calculate to see your result instantly.
- Use the Share button to copy a link to your result.
About this calculator
The future value of a lump sum — a single deposit or investment made today with no further contributions — is calculated with the compound interest formula FV = PV × (1 + r)^n, where PV is the present value, r is the periodic interest or return rate, and n is the number of compounding periods, capturing how each period's growth is earned not just on the original principal but on all previously accumulated interest as well.
This formula is the foundation of time-value-of-money analysis in finance — used to project retirement account growth from a single contribution, compare investment options with different rates or compounding frequencies, evaluate lottery lump-sum versus annuity payouts, and, in reverse, to calculate present value when discounting a known future amount back to today.
This calculator takes a present value, an annual rate of return, and a number of years and returns exactly what that lump sum grows to by the end of the period.
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