금융
Future Value Calculator
Calculate the future value (FV) of an investment with periodic contributions.
사용 방법
- Enter your Present Value (starting balance).
- Enter any Periodic Payment you plan to make.
- Enter the total Number of Periods (e.g., if monthly for 10 years, enter 120).
- Enter the Interest Rate per Period (e.g., if you expect 6% annually, enter 0.5% monthly).
- Choose whether payments are made at the beginning or end of each period.
공식
Future Value (FV) Math:
FV of Present Value = PV × (1 + r)ⁿ
FV of Ordinary Annuity (End) = PMT × [ ((1+r)ⁿ - 1) / r ]
FV of Annuity Due (Beginning) = PMT × [ ((1+r)ⁿ - 1) / r ] × (1+r)
Total FV = FV of Present Value + FV of Annuity
Where:
PV = Present Value
PMT = Periodic Payment
r = Rate per period
n = Number of periods
FV of Present Value = PV × (1 + r)ⁿ
FV of Ordinary Annuity (End) = PMT × [ ((1+r)ⁿ - 1) / r ]
FV of Annuity Due (Beginning) = PMT × [ ((1+r)ⁿ - 1) / r ] × (1+r)
Total FV = FV of Present Value + FV of Annuity
Where:
PV = Present Value
PMT = Periodic Payment
r = Rate per period
n = Number of periods
The Future Value Calculator is a foundational financial planning tool. It computes the future worth of current cash and ongoing deposits based on a steady rate of return, perfect for modeling compound interest on standard savings or investments over time.