Kalkulator wartości przyszłej
$
% / year
years
$
Added at the end of each year
Wynik
Wprowadź wartości, a następnie wybierz Oblicz.
Reklama
The detailed guide below is currently available in English.
The future value formula
FV = PV × (1 + r)n turns today's money into tomorrow's money at a constant rate: $10,000 at 5% for ten years becomes 10,000 × 1.0510 ≈ $16,288.95. Adding yearly payments extends the formula with the annuity factor ((1 + r)n − 1) / r. Doubling time follows the rule of 72 — divide 72 by the rate for a quick estimate.
Częste pytania
Should the rate be nominal or inflation-adjusted?
The formula works with either, but be consistent: a nominal rate gives future dollars, while subtracting inflation first gives the answer in today’s purchasing power.
Why is beginning-of-year timing worth more?
Each payment then compounds for one extra year. On $1,000 a year at 5% for 10 years it adds roughly $629 to the ending balance compared with year-end payments.