Calculadora de valor futuro

Calculate how much your money will grow over time with compound interest and regular contributions. Get instant results with charts and scenarios.

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Enter your starting amount, monthly contribution, interest rate, and time period. Click Calculate to see your future value, growth chart, and contribution scenarios.

Guía de usuario completa

What is Future Value?

Future value (FV) is the amount your money will grow to over time with compound interest. This calculator combines the growth of a starting lump sum and the future value of regular contributions (e.g. monthly). The more you invest and the longer the period, the larger your future value.

What Your Results Mean

Valor futuro

Total projected value at the end of the period: starting amount plus contributions plus interest earned.

Crecimiento múltiple

How many times your total contributions have grown (e.g. 2x means your money doubled).

Cómo utilizar esta calculadora

  1. Enter your starting amount (present value)
  2. Enter monthly contribution (optional; use 0 for lump sum only)
  3. Enter expected annual interest rate and time period in years
  4. Click Calculate to see future value, charts, scenarios, and yearly breakdown

Fórmulas

FV of lump sum: FV = PV × (1 + r/n)^(n×t)

FV of regular payments (ordinary annuity): FV = PMT × [((1 + r/n)^(n×t) − 1) / (r/n)]

Notas importantes

  • This shows nominal future value. For real (inflation-adjusted) value, use a lower rate (e.g. subtract 2–3%% for inflation).
  • For education only. Not financial or investment advice. Actual returns vary.

Tips

  • Compound interest grows fastest over long periods; start early.
  • Regular contributions often contribute more than the initial amount over decades.
  • Use conservative return assumptions (e.g. 6–7%%) for long-term planning.

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