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Both calculators run independently — change the inputs on either side to compare results.

Future Value Calculator

Project what a lump sum plus regular yearly contributions will grow to at a given rate of return. Use it to forecast investments, savings plans, and retirement balances.

Present Value (starting amount) ($)

Annual Return Rate (%)

Number of Years (years)

Annual Contribution ($)

Economics

Present Value Calculator

Discount a future cash amount back to today's value using PV = FV / (1 + r)ᵗ. The foundation of every cash-flow valuation in finance — bonds, equities, projects, real estate, insurance, and any decision that trades current money against future money.

Future Value ($)

Discount Rate (%)

Number of Periods (years)

Key differences

	Future Value Calculator	Present Value Calculator
Category	Financial	Economics
Inputs required	4	3
Result	Future Value ($)	Present Value ($)
What it does	Project what a lump sum plus regular yearly contributions will grow to at a given rate of return. Use it to forecast investments, savings plans, and retirement balances.	Discount a future cash amount back to today's value using PV = FV / (1 + r)ᵗ. The foundation of every cash-flow valuation in finance — bonds, equities, projects, real estate, insurance, and any decision that trades current money against future money.