Future Value Calculator
This calculator projects the future value of a lump sum. It answers the question "if I invest £X today, what will it be worth in N years?"
Enter your lump sum, expected annual return and the investment period.
How the calculation works
We believe numbers should be transparent. Here is the formula behind this calculator.
Worked example
Worked example: £10,000 at 5% for 20 years
Important assumptions
- Assumes a constant annual return for the whole period.
- Returns on investments vary and can be negative in some years.
- No contributions are added — for regular saving use the savings or ISA calculator.
Frequently asked questions
What is future value?
It is what a sum of money today will be worth at a future date once growth is compounded on it. It lets you compare investments and plan long-term targets.
How do I know what return to use?
Cash savings currently pay around 3-5% AER. A diversified Stocks & Shares ISA has historically returned roughly 5-7% a year over long periods, but that is not guaranteed.
Should I add inflation?
If you want a real (after-inflation) figure, subtract your expected inflation rate from the return. Our inflation calculator shows how much of your growth is real.
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Read the guideThese calculations are estimates for guidance only and are not professional financial, tax or legal advice. UK rates and rules change, so always verify important figures with official GOV.UK / HMRC information or speak to a qualified professional. See our full disclaimer.