Máy tính giá trị tương lai
$
% / year
years
$
Added at the end of each year
Kết quả
Nhập giá trị của bạn, rồi chọn Tính toán.
Quảng cáo
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.
Câu hỏi thường gặp
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.