Project how savings grow with compound interest customizable deposits and contribution timing. Choose compounding frequency and escalation preview charts and example scenarios then export results to CSV or PDF. Clear formulas and step by step guidance support students professionals and DIY planners building confidence in financial forecasting. Includes advanced options for annuity due calculations.
| PV | Rate % | Years | Freq | PMT | Timing | Esc % | Future Value |
|---|---|---|---|---|---|---|---|
| USD 10,000.00 | 6.50 | 15.0 | 12 | USD 150.00 | end | 0.00 | USD 71,973.72 |
| USD 25,000.00 | 8.00 | 20.0 | 4 | USD 0.00 | end | 0.00 | USD 121,885.98 |
| USD 5,000.00 | 7.00 | 10.0 | 12 | USD 200.00 | begin | 2.00 | USD 48,084.00 |
Lump sum (discrete compounding): FV = PV × (1 + r/m)^{m×t}
Growing contributions (ordinary): FV = PMT × [ ( (1+i)^N − (1+g_p)^N ) / (i − g_p) ], where i = r/m, N = m×t, g_p = (1+g)^{1/m} − 1. For annuity due multiply by (1+i).
Zero-growth contributions: when g = 0, this reduces to FV = PMT × [((1+i)^N − 1)/i] (ordinary) or multiply by (1+i) (due).
Limit case (i ≈ g_p): use FV ≈ PMT × N × (1+i)^{N-1} (ordinary).
Continuous compounding: FV = PV × e^{r t}. With continuous deposits at rate PMT per year: FV = PMT × (e^{r t} − 1)/r.
Inflation adjustment: real value FV_real = FV / (1+f)^t.
Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.