Future Value Calculator
Compute the future value of a lump sum with optional recurring deposits — with AI-powered plain-language explanation.
Lump Sum
Optional Recurring Deposits
Note: Lump sums compound using the selected compounding frequency, producing the effective annual rate shown. Recurring deposits compound at the stated annual interest rate based on payment frequency. Deposit growth is applied per payment so that total growth equals the stated annual growth rate.
Results
Effective Annual Rate: —
FV of Lump Sum
$0.00
FV of Deposits
$0.00
Total Future Value
$0.00
Initial Amount
Deposits
Growth
AI Explanation
Click the button above to get a plain-language explanation of your results.
Excel formulas are AI-generated and should be verified before use. Results may vary in edge cases, particularly with growing payments or non-standard compounding frequencies.