{"success":true,"version":"v1","request":{"tool":"get_calculator_schema","calculator_id":"future-value"},"result":{"entity_type":"calculator","id":"future-value","calculator_id":"future-value","canonical_url":"https://tttkmbb.com/finance/future-value","name":"Future Value Calculator","title":"Future Value Calculator – Lump Sum and Periodic Payments with Compound Interest","category":"finance","category_name":"Finance","tool_name":"calculate_future_value","featured_mcp_tool":false,"description":"Computes the future value of a present lump sum and, optionally, of a level payment made every compounding period (ordinary annuity or annuity due) at a constant rate.","use_when":"You need the textbook FV of a single amount and/or a series of equal payments, e.g. for finance coursework, retirement projections or comparing investment options.","do_not_use_when":"Payments are monthly while interest compounds at another frequency (use compound-interest), or you need to discount a future amount to today (use present-value).","inputs":[{"name":"present_value","label":"Present value","type":"number","required":true,"min":0,"max":1000000000000,"description":"Lump sum invested today (0 if only payments are made).","example":1000},{"name":"annual_rate_percent","label":"Annual rate","type":"number","unit":"%","required":true,"min":0,"max":100,"description":"Nominal annual rate in percent; divided by the number of periods per year.","example":8},{"name":"years","label":"Years","type":"number","unit":"years","required":true,"max":200,"exclusive_min":0,"description":"Investment horizon in years.","example":10},{"name":"compounding_frequency","label":"Compounding frequency","type":"enum","required":false,"default":"annually","values":[{"value":"annually","label":"Annually (1×/year)","aliases":["yearly","annual","1"]},{"value":"semiannually","label":"Semiannually (2×/year)","aliases":["semi-annually","half-yearly","2"]},{"value":"quarterly","label":"Quarterly (4×/year)","aliases":["4"]},{"value":"monthly","label":"Monthly (12×/year)","aliases":["12"]},{"value":"weekly","label":"Weekly (52×/year)","aliases":["52"]},{"value":"daily","label":"Daily (365×/year)","aliases":["365"]}],"description":"Compounding periods per year; payments (if any) are made once per period.","example":"annually"},{"name":"periodic_payment","label":"Payment per period","type":"number","required":false,"default":0,"min":0,"max":1000000000,"description":"Equal payment made every compounding period (e.g. per month when compounding_frequency=monthly).","example":0},{"name":"payment_timing","label":"Payment timing","type":"enum","required":false,"default":"end","values":[{"value":"end","label":"End of period (ordinary annuity)","aliases":["ordinary","arrears"]},{"value":"beginning","label":"Beginning of period (annuity due)","aliases":["begin","start","due","advance"]}],"description":"Whether payments occur at the end or the beginning of each period.","example":"end"}],"outputs":[{"name":"future_value","label":"Future value","type":"number","decimals":2,"description":"Total value at the end of the horizon."},{"name":"future_value_of_lump_sum","label":"FV of present value","type":"number","decimals":2,"description":"present_value × (1 + i)^n."},{"name":"future_value_of_payments","label":"FV of payments","type":"number","decimals":2,"description":"Annuity part of the future value."},{"name":"total_paid_in","label":"Total paid in","type":"number","decimals":2,"description":"present_value + periodic_payment × n."},{"name":"total_interest","label":"Total interest","type":"number","decimals":2,"description":"future_value − total_paid_in."},{"name":"number_of_periods","label":"Number of periods","type":"number","decimals":2,"description":"n = periods per year × years."},{"name":"periodic_rate_percent","label":"Rate per period","type":"number","unit":"%","decimals":6,"description":"i = annual rate / periods per year."}],"input_schema":{"type":"object","properties":{"present_value":{"description":"Lump sum invested today (0 if only payments are made).","type":"number","minimum":0,"maximum":1000000000000,"examples":[1000]},"annual_rate_percent":{"description":"Nominal annual rate in percent; divided by the number of periods per year. Unit: %.","type":"number","minimum":0,"maximum":100,"examples":[8],"x-unit":"%"},"years":{"description":"Investment horizon in years. Unit: years.","type":"number","maximum":200,"exclusiveMinimum":0,"examples":[10],"x-unit":"years"},"compounding_frequency":{"description":"Compounding periods per year; payments (if any) are made once per period.","type":"string","enum":["annually","semiannually","quarterly","monthly","weekly","daily"],"default":"annually","examples":["annually"]},"periodic_payment":{"description":"Equal payment made every compounding period (e.g. per month when compounding_frequency=monthly).","type":"number","minimum":0,"maximum":1000000000,"default":0,"examples":[0]},"payment_timing":{"description":"Whether payments occur at the end or the beginning of each period.","type":"string","enum":["end","beginning"],"default":"end","examples":["end"]}},"additionalProperties":false,"required":["present_value","annual_rate_percent","years"]},"output_schema":{"type":"object","properties":{"future_value":{"description":"Total value at the end of the horizon.","type":"number"},"future_value_of_lump_sum":{"description":"present_value × (1 + i)^n.","type":"number"},"future_value_of_payments":{"description":"Annuity part of the future value.","type":"number"},"total_paid_in":{"description":"present_value + periodic_payment × n.","type":"number"},"total_interest":{"description":"future_value − total_paid_in.","type":"number"},"number_of_periods":{"description":"n = periods per year × years.","type":"number"},"periodic_rate_percent":{"description":"i = annual rate / periods per year. Unit: %.","type":"number","x-unit":"%"}}},"formula":"i = annual_rate_percent/100 / n_per_year; n = n_per_year × years; FV = present_value × (1 + i)^n + periodic_payment × ((1 + i)^n − 1) / i × (1 + i if payment_timing = beginning); with i = 0 the annuity part is periodic_payment × n","sources":[{"name":"Investopedia – Future Value (FV): Formula and Calculation","url":"https://www.investopedia.com/terms/f/futurevalue.asp","type":"reference","retrieved_at":"2026-09-23"},{"name":"Wikipedia – Future value","url":"https://en.wikipedia.org/wiki/Future_value","type":"reference","retrieved_at":"2026-09-23"}],"freshness":{"type":"static","max_age_seconds":null,"note":"Deterministic formula with fixed constants; results never go stale. Inputs supplied by the caller determine the output."},"examples":[{"name":"1,000 at 8 % for 10 years, annual compounding","inputs":{"present_value":1000,"annual_rate_percent":8,"years":10,"compounding_frequency":"annually"},"expected":{"future_value":2158.92,"future_value_of_lump_sum":2158.92,"future_value_of_payments":0,"total_interest":1158.92,"number_of_periods":10},"url":"https://tttkmbb.com/api/v1/calculate/future-value?present_value=1000&annual_rate_percent=8&years=10&compounding_frequency=annually"},{"name":"200 per month at 6 % for 5 years, no lump sum","inputs":{"present_value":0,"annual_rate_percent":6,"years":5,"compounding_frequency":"monthly","periodic_payment":200},"expected":{"future_value":13954.01,"total_paid_in":12000,"total_interest":1954.01,"number_of_periods":60},"url":"https://tttkmbb.com/api/v1/calculate/future-value?present_value=0&annual_rate_percent=6&years=5&compounding_frequency=monthly&periodic_payment=200"}],"faq":[{"q":"When is an annuity due appropriate?","a":"When each payment is made at the start of the period (rent, lease and many savings plans). It earns one extra period of interest, so FV is multiplied by (1 + i)."},{"q":"Can I use a real (inflation-adjusted) rate?","a":"Yes: enter the real rate and the result is in today's purchasing power. Do not mix a nominal rate with inflation-adjusted payments."}],"tags":["future value","fv formula","annuity","time value of money","investment growth"],"related":[{"calculator_id":"present-value","reason":"The inverse: discount a future amount to today."},{"calculator_id":"compound-interest","reason":"Balance projection with monthly deposits at any compounding frequency."}],"links":{"html":"https://tttkmbb.com/finance/future-value","markdown":"https://tttkmbb.com/finance/future-value.md","json":"https://tttkmbb.com/finance/future-value.json","api":"https://tttkmbb.com/api/v1/calculate/future-value","schema":"https://tttkmbb.com/api/v1/calculators/future-value","openapi":"https://tttkmbb.com/openapi.json","mcp":"https://tttkmbb.com/mcp"},"version":"v1","updated_at":"2026-09-23"},"timestamp":"2026-09-23T23:23:06Z"}