Calculate how much a lump sum or series of regular payments will be worth in the future with compound interest growth.
| Component | Value |
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Future Value (FV) calculates what a current sum of money will be worth at a future date, given a specified growth or interest rate. It is the inverse of Present Value and answers: "If I invest this amount today, how much will I have in X years?" FV is used for retirement planning, savings goals, and investment projections.
| Present Value | Annual Rate | After 10yr | After 20yr | After 30yr |
|---|---|---|---|---|
| $10,000 | 3% (conservative) | $13,439 | $18,061 | $24,273 |
| $10,000 | 5% (moderate) | $16,289 | $26,533 | $43,219 |
| $10,000 | 7% (balanced super) | $19,672 | $38,697 | $76,123 |
| $10,000 | 9% (growth) | $23,674 | $56,044 | $132,677 |
| Initial + Monthly | Rate | After 10yr | After 20yr | After 30yr |
|---|---|---|---|---|
| $10,000 + $500/month | 7% | $104,382 | $271,455 | $607,287 |
| $10,000 + $1,000/month | 7% | $189,094 | $504,213 | $1,138,451 |
| $0 + $2,000/month (super) | 7% | $346,174 | $1,015,858 | $2,431,830 |
Future value is the core calculation in superannuation projections. The ATO's YourSuper comparison tool uses future value calculations to show projected balances at age 67. ASFA's comfortable retirement standard ($51,630/year for singles) requires a super balance of approximately $595,000 at retirement. Knowing the future value of your current super balance and contributions helps you determine whether you are on track.
What is future value in finance?
Future value is how much a current sum will be worth at a later date, assuming a specific growth rate. $10,000 invested today at 7% p.a. will be worth $19,672 in 10 years and $76,123 in 30 years. The calculator above models future value with or without regular additional contributions.
How do I calculate future value of my superannuation?
FV = current balance × (1 + annual return)^years + annual SG contributions × [(1+r)^n − 1] ÷ r. For a $100,000 balance at 35 with $9,000 annual SG contributions (12% of $75,000) at 7% net return to age 67 (32 years): approximately $1.27 million projected balance. The ATO's YourSuper tool performs this calculation with your actual fund data.
What is the difference between future value and compound interest?
They are mathematically identical — compound interest is the mechanism that produces future value growth. The future value formula A = P(1+r)^n is the compound interest formula. FV is typically the business/finance framing (investment decisions, retirement planning); compound interest is typically the personal finance framing (savings, loan growth).
How does a future value calculator work?
A future value calculator projects what a sum of money will be worth later, based on an interest or growth rate and any regular contributions. Enter your starting amount, rate and time frame above and it calculates the future value instantly.