Future Value Calculator (2026)
Project a lump sum plus monthly contributions forward at any return — and see what it's really worth after inflation.
What is the Future Value Calculator?
The Future Value Calculator projects what your money will grow to. Enter a starting lump sum, an optional monthly contribution, an expected annual return, and a time horizon, and it returns the nominal future value, how much you put in versus earned, and the inflation-adjusted value in today's dollars. Pair it with the Compound Interest Calculator for Singapore rate presets.
Result updates as you type
Future value in 20 years
$150,437
Worth $91,807 in today's dollars after 2.5% inflation
Total put in
$82,000
Growth
$68,437
Real value
$91,807
Assumes the annual return is compounded monthly and contributions are made at the end of each month. Real value discounts the nominal figure by your inflation assumption to show purchasing power in today's dollars.
Nominal vs real value
A six-figure future balance sounds impressive, but inflation quietly erodes what it can buy. This calculator shows both the nominal figure and the real value in today's dollars so you plan with purchasing power, not just a big number.
FV = PV·(1+i)ⁿ + PMT·[((1+i)ⁿ−1)/i]
To work out the annualised return an investment already achieved, use the CAGR Calculator; for a retirement drawdown, see the SWP Calculator.
Contributions matter
Regular monthly investing often contributes more to the final balance than the starting lump sum.
Time is the multiplier
Starting five years earlier can outweigh a higher contribution later, thanks to compounding.
Frequently Asked Questions
What is future value?expand_more
Future value (FV) is what a sum of money today will be worth at a future date once it has earned a given rate of return. This calculator combines two engines: it grows your present lump sum and it grows a stream of monthly contributions (an annuity), both compounded monthly, then adds them together.
What is the future value formula?expand_more
FV = PV × (1 + i)^n + PMT × [((1 + i)^n − 1) ÷ i], where PV is the present lump sum, PMT is the monthly contribution, i is the monthly rate (annual rate ÷ 12), and n is the number of months (years × 12). When the rate is 0%, future value is simply the total money paid in.
What is real (inflation-adjusted) future value?expand_more
A dollar in 20 years buys less than a dollar today. Real future value discounts the nominal figure by your inflation assumption to show purchasing power in today's money: Real FV = Nominal FV ÷ (1 + inflation)^years. Singapore's long-run core inflation has averaged roughly 1.5–2.5%, so 2.5% is a reasonable default.
What return should I assume?expand_more
Use a rate that matches the risk you are taking. Capital-guaranteed options like CPF (2.5–4%), T-bills and Singapore Savings Bonds (~3%) sit at the lower end; diversified global equities have historically returned ~7–10% before inflation over long horizons but with real risk of loss. Lower assumptions give a more conservative, safer plan.
How is this different from a compound interest calculator?expand_more
They share the same maths. This calculator foregrounds the future value of a present sum plus contributions and adds an inflation-adjusted real value. For preset Singapore rates (CPF OA/SA, SSB, T-bills) and a year-by-year growth chart, use the Compound Interest Calculator instead.
Related Calculators
Compound Interest Calculator Singapore
Calculate compound interest in SGD with preset rates for CPF OA/SA, SSB, T-bills, and SGS bonds. See growth charts over 1-50 years.
show_chartCAGR Calculator
Work out the compound annual growth rate of any investment from its start value, end value, and number of years. Compare returns on a like-for-like basis.
show_chartInflation Calculator Singapore
Calculate the real value of Singapore dollars over time using MAS CPI data. See what $10,000 in 2000 is worth in 2026.