金融财务

Future Value Calculator

终值计算器

货币

初始金额

年利率

年

年度缴款

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We're working on a comprehensive educational guide for the Future Value Calculator in your language. The content below is shown in English.

是什么 Future Value Calculator?

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A future value calculator projects the growth of a lump-sum investment or regular savings over time at a specified interest rate.

Calkulon makes complex calculations simple — built for students and everyday problem-solvers.

公式

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f(x)FV = PV × (1 + r)ⁿ (lump sum); FV = PMT × [((1+r)ⁿ − 1) / r] (annuity)

变量说明

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符号	名称	单位	描述
PV	Present Value	currency	—
r	Interest rate per period	%	—
n	Number of periods	—	—
FV	Future Value	currency	—

如何 Future Value Calculator

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1Lump sum: FV = PV × (1 + r)ⁿ
2Regular contributions: FV = PMT × [(1+r)ⁿ−1]/r
3Real return: adjust for inflation: real FV = FV / (1+inflation)ⁿ
4Rule of 72: years to double ≈ 72 / annual rate

例题解析

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示例 1

已知:$1,000 at 7% for 30 years

结果:FV = $1,000 × 1.07³⁰ = $7,612

实际应用

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Retirement savings planning

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Investment goal projections

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College fund accumulation

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Trust fund valuations

FV of $1,000 at Different Rates

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Rate	10yr	20yr	30yr
5%	$1,629	$2,653	$4,322
7%	$1,967	$3,870	$7,612
10%	$2,594	$6,727	$17,449

常见问题

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What's the difference between FV and compound interest?

Same concept. FV = future value calculation. Compound interest = the mechanism (interest on interest).

How does compounding frequency matter?

Annual: once/year. Quarterly: 4x/year. Daily: 365x/year. More frequent = slightly higher FV.

Is $100 today worth the same as $100 in 10 years?

No. Time value of money: $100 today > $100 later due to earning potential and inflation.

参考资料

›Future value — Investopedia

仅供参考。此工具不构成财务建议。在做出投资或财务决策之前，请咨询合格的财务顾问。

比较

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Present Value vs Future Value

Formula-verified for precision

Reviewed October 2026

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