# Future Value Calculator

> Calculate future value with dated rate presets, recurring deposits, withdrawals, inflation, and clear formula documentation.

## Site policy

- Educational future-value calculator; not investment, tax, legal, or personalized financial advice.
- Calculator inputs remain in the browser; the site does not store personal projections.
- Default rates are dated, documented benchmark snapshots, not live forecasts.
- Historical performance does not guarantee future results.

## Pages

- [Future Value Calculator](https://future-value-calculator.com/): Calculate future value with monthly deposits, inflation, withdrawals, dated rate presets, and side-by-side Lower, Middle, and Higher estimates.
- [401(k) Future Value Calculator](https://future-value-calculator.com/401k-future-value-calculator/): Project a 401(k) balance with employee contributions, employer matching, a match cap, investment returns, and inflation.
- [Roth IRA Growth Calculator](https://future-value-calculator.com/roth-ira-future-value-calculator/): Estimate Roth IRA growth from recurring contributions, editable return assumptions, and inflation, with a yearly balance schedule.
- [529 College Savings Calculator](https://future-value-calculator.com/529-college-savings-calculator/): Project a 529 college savings balance with recurring contributions, education-cost inflation, yearly growth, and real purchasing power.
- [High-Yield Savings Calculator](https://future-value-calculator.com/high-yield-savings-calculator/): Calculate high-yield savings growth from an APY, recurring deposits, monthly compounding, and inflation-adjusted purchasing power.
- [Withdrawal Exhaustion Calculator](https://future-value-calculator.com/withdrawal-exhaustion-calculator/): Find when recurring withdrawals exhaust an account under lower, middle, and higher return assumptions, with a year-by-year depletion schedule.
- [Future Value of Annuity Calculator](https://future-value-calculator.com/future-value-of-annuity-calculator/): Calculate ordinary annuity, annuity due, and growing annuity future values in one validated tool with clear payment-timing controls.
- [Future Value Formula](https://future-value-calculator.com/learn/formula/): Read the future value formula, annuity variants, contribution timing, and the nominal-to-real conversion used by the calculator.
- [Excel FV Function](https://future-value-calculator.com/learn/excel-fv/): Learn how Excel FV handles rate, nper, pmt, pv, and type, why results can be negative, and how to match monthly compounding.
- [Future Value Calculator FAQ](https://future-value-calculator.com/faq/): Read answers about nominal and real future value, rate presets, withdrawals, Excel verification, and calculator privacy.
- [About Future Value Calculator](https://future-value-calculator.com/about/): Learn how this educational future-value calculator is scoped, how its rate sources are documented, and what it does not claim to do.
- [Privacy Policy](https://future-value-calculator.com/privacy-policy/): Read how the future-value calculator handles browser calculations, local theme storage, analytics events, hosting logs, and external source links.
- [Terms of Service](https://future-value-calculator.com/terms-of-service/): Review the permitted use, educational scope, disclaimer, intellectual-property rules, and liability limits for this calculator site.
## Rate assumptions

- Lower estimate: 4.28%; benchmark: 1-year Treasury constant maturity; source: FRED: 1-Year Treasury Constant Maturity Rate (DGS1); retrieved 2026-09-12; https://fred.stlouisfed.org/series/DGS1
- Middle estimate: 10.80%; benchmark: S&P 500 rolling 30-year total-return median; source: Damodaran historical returns, 1928-2025; retrieved 2026-09-12; https://pages.stern.nyu.edu/~adamodar/New_Home_Page/data.html
- Higher estimate: 12.04%; benchmark: S&P 500 rolling 30-year total-return 75th percentile; source: Damodaran historical returns, 1928-2025; retrieved 2026-09-12; https://pages.stern.nyu.edu/~adamodar/New_Home_Page/data.html

- Inflation: 3.34%; source: FRED: Consumer Price Index for All Urban Consumers (CPIAUCSL); retrieved 2026-09-12; https://fred.stlouisfed.org/series/CPIAUCSL

## Machine-readable endpoints

- [sitemap.xml](https://future-value-calculator.com/sitemap.xml)
- [robots.txt](https://future-value-calculator.com/robots.txt)
- [llms.txt](https://future-value-calculator.com/llms.txt)
- [llms-full.txt](https://future-value-calculator.com/llms-full.txt)