Project lump sums and recurring contributions using explicit compounding, matching payment periods and optional inflation adjustment.
01 / INPUTS & ASSUMPTIONS
02 / RESULT & EXPLANATION
| Years | Balance |
|---|---|
| 0 | $1,000.00 |
| 1 | $1,100.00 |
| 2 | $1,210.00 |
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Enter the values and units for future value calculator, review the stated scope, then choose Calculate. Use the worked explanation and bounded tables to check the result; copy or reset locally.
A deliberately explicit matching-frequency contribution model avoids ambiguous compounding assumptions. Inspect nominal/effective rates, earned growth and optional purchasing power.
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For a lump sum, FV = PV times (1 + r/m) raised to m times years, where r is the nominal annual rate as a decimal and m is compounding periods per year. Recurring deposits add the matching-period annuity factor.
The contribution model is deliberately constrained to matching periods, so payment timing is unambiguous. The tool rejects a mismatched P/Y and C/Y instead of silently treating them as equivalent. Lump sums do not need a payment frequency.
End contributions are deposited at the end of each complete payment period. Beginning contributions have one extra period of growth, multiplying the annuity factor by 1 + periodic rate. At zero duration there are no modeled deposits.
Zero interest gives principal plus the total contributions. Negative nominal rates above -100% are supported within the software bounds when the compounding base is positive. Results are projections, not promised investment returns.
Simple interest is available for lump sums only: FV = PV times (1 + annual rate times years). Recurring contributions use the compound model; assumptions that would create a negative simple-interest balance are rejected.
It divides nominal future value by (1 + annual inflation) raised to the number of years. Inflation is optional and separately entered. The projection excludes taxes and fees unless reflected in your assumptions.