Finance
Future Value with Contributions Calculator
Project a starting balance plus recurring contributions with configurable return, term, and contribution frequency. The calculator uses FV = principal growth + contribution × ((1 + r)^n − 1) ÷ r. It returns more than one result so you can check the main answer against a useful secondary measure. The result separates money contributed from modeled growth. Returns vary, fees and taxes reduce results, and smooth compounding does not represent market volatility.
Educational scenario only. Confirm rates, fees, taxes, contract terms, and eligibility with the relevant institution or adviser.
Calculate and compare
Use the number box for precision or the slider for fast scenario testing.
Scenario results
Projected future value
$361,431.8
Assumes contributions occur at period end.
Total contributed
$145,000
Starting balance plus deposits.
Modeled growth
$216,431.8
Before fees, tax, and volatility.
How the calculation works
Use consistent units and retain full precision until the final display step.
Worked example
Reproduce the displayed scenario, then change one assumption at a time.
Assumptions behind the result
- • Inputs use the units shown beside each control.
- • The displayed formula is applied without hidden market or demographic data.
- • Rounding occurs only for display; calculations keep full numeric precision.
- • The result separates money contributed from modeled growth.
- • Returns vary, fees and taxes reduce results, and smooth compounding does not represent market volatility.
Mistakes that change the answer
- • Mixing percentages with decimals or mixing incompatible units.
- • Relying on a rounded intermediate value instead of the full result.
- • Changing several assumptions at once instead of testing starting balance separately.