Future Value Calculator

Project what today's dollars will be worth tomorrow. Lump sum, recurring, or both.

Lump Sum + Recurring

Lump Sum Only

Starting Amount ($)

Monthly Contribution ($)

Annual Return Rate 7.0%

Time Horizon 25 years

Nominal Future Value

after 25 years

Today's Purchasing Power

—

adjusted for 3% inflation

Growth Multiple

—

your money multiplies

Nominal vs. Inflation-Adjusted Growth

In today's dollars, your — will feel more like —. Inflation is the silent tax on long horizons.

Future Value Calculator

The Future Value Calculator projects what today's dollars will be worth at any point in the future, with a twist most calculators skip: it shows both the nominal number and what that number actually buys once inflation quietly chips away at it. Users can model a lump sum on its own or add a monthly contribution, then adjust the expected return and time horizon. The results panel shows the headline future value, the inflation-adjusted purchasing power in today's dollars, and the growth multiple so users can see at a glance how many times over their money multiplies. The dual-line chart plots nominal growth against the same balance expressed in today's dollars, visualizing the gap that opens up between the statement number and real-world buying power. It is the calculator to reach for when someone asks "if I invest X today, what will I actually have?" and wants an honest answer instead of a sunny one.