Investing Basics

What Is Future Value?

Future value (FV) is the amount a sum of money will grow to at a given rate of return over a period. For a single deposit, FV = PV × (1 + r)^n. For regular contributions, the future value of an annuity formula adds up each deposit's growth.

Example

5,000 growing at 6% a year for 10 years reaches about 8,954.

Regular Deposits

FV of regular deposits = P × ((1 + r)^n − 1) ÷ r, where P is the deposit per period.

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🔗 Related Terms

Present Value Time Value of Money Compound Interest

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Last updated: September 27, 2026. This definition is for general educational purposes only. It is not financial, investment, tax, legal, or medical advice, and it does not recommend any product or course of action. For decisions about your own situation, consult a qualified professional.