Future Value of Regular Savings Calculator
Fill in the values and the answer updates as you type.
How the Future Value of Regular Savings Calculator works
FV = payment × ((1 + r)^N − 1) ÷ r, where r is the rate per period and N is the total number of deposits. Deposits at the start of each period earn one extra period of interest, so the result is multiplied by (1 + r). Returns are not guaranteed; real investments rise and fall. Example: with the default values, future value comes to $260,463.33.
Inputs and results
The Future Value of Regular Savings Calculator takes 5 inputs and gives 4 results.
What you enter
- Contribution per period ($) — starts at 500.
- Annual interest rate (%) — starts at 7.
- Years — starts at 20.
- Contributions per year — starts at 12. Choose from: 12, 52, 26, 4 and 1.
- Deposit timing — starts at End of period. Choose from: End of period and Start of period.
What you get
- Future value
- Total contributions
- Interest earned
- Interest share of final balance
Example: Future Value of Regular Savings Calculator with the starting values
With contribution per period 500 $, annual interest rate 7 %, years 20, contributions per year 12 and deposit timing End of period, the calculator returns:
| Future value | $260,463.33 |
|---|---|
| Total contributions | $120,000 |
| Interest earned | $140,463.33 |
| Interest share of final balance | 53.93% |
Change any value above and the results update straight away.
Future Value of Regular Savings Calculator FAQ
How do I use the Future Value of Regular Savings Calculator?
Enter contribution per period, annual interest rate, years and contributions per year in the fields, then read future value, total contributions, interest earned and interest share of final balance in the result panel. The answer updates as you type, and you can press Calculate or Enter to refresh it. Use “Copy link” to share your exact numbers with someone else.
What does the Future Value of Regular Savings Calculator calculate?
See what regular deposits grow to with compound interest. It returns future value, total contributions, interest earned and interest share of final balance from the 5 values you provide.
What values does the Future Value of Regular Savings Calculator start with?
It opens with contribution per period 500 $, annual interest rate 7 %, years 20 and contributions per year 12 so you can see a working result straight away. Replace them with your own numbers, or press Reset to return to these starting values.
Is the Future Value of Regular Savings Calculator free and private?
Yes. It is free, needs no account, and runs in your browser, so nothing you type is sent to or stored on our servers. See the Privacy Policy for details.
Can I rely on the Future Value of Regular Savings Calculator for financial decisions?
Treat the result as a well-rounded estimate. Real situations often have details a general calculator cannot know, so confirm financial decisions with a qualified professional. See the Disclaimer for more.