Future Value Calculator
Project an initial balance with recurring deposits or withdrawals under a nominal annual return divided into monthly periods. Select cash-flow timing and keep net cash flow separate from modeled investment growth.
How to use the Future Value Calculator
Enter initial balance, signed monthly cash flow, beginning- or end-of-month timing, annual return, and time.
Review rate convention, cash-flow sign, fees, taxes, inflation, contribution timing, variable returns, and whether periods align.
Read projected balance, initial balance plus net cash flow, recurring net cash flow, and projected growth.
Formula
Monthly rate i = annual return ÷ 12. End timing uses balance × (1+i) + cash flow; beginning timing uses (balance + cash flow) × (1+i), with withdrawals entered as negative.
Example
$10,000 at a 5% annual return with a $100 month-end withdrawal models 36 signed cash flows over 3 years and stops with an error if the balance is exhausted early.
Assumptions and limitations
- The nominal annual rate and signed cash flow remain constant, the balance cannot fall below zero, and volatility, fees, inflation, and tax effects are excluded.
- Future Value Calculator treats the entered values as estimates and does not infer missing project, account, or personal details.
- Calculations retain working precision except where the cited method requires an intermediate rounding step; displayed values are then formatted separately. Source rules and dated rates must be rechecked when they change.
Sources
- U.S. Securities and Exchange Commission: Compound Interest CalculatorCompound-growth inputs and future-value concepts. Reviewed 2026-08-14.
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Frequently asked questions
How does the Future Value Calculator work?
Monthly rate i = annual return ÷ 12. End timing uses balance × (1+i) + cash flow; beginning timing uses (balance + cash flow) × (1+i), with withdrawals entered as negative.
What information should I enter in the Future Value Calculator?
Enter initial balance, signed monthly cash flow, beginning- or end-of-month timing, annual return, and time, then verify rate convention, cash-flow sign, fees, taxes, inflation, contribution timing, variable returns, and whether periods align.
What should I verify before using this Future Value Calculator result?
The nominal annual rate and signed cash flow remain constant, the balance cannot fall below zero, and volatility, fees, inflation, and tax effects are excluded.
Reviewed 2026-08-14 · signed-monthly-cashflow-fv-v2 · content-2026-08-14 · Trusty Calculator Editorial Team