{"product_id":"future-value-calculator","title":"Future Value Calculator","description":"\u003cstyle\u003e\n.fvc-calculator {\n  --ink: #0f172a;\n  --muted: #475569;\n  --border: #e2e8f0;\n  --surface: #ffffff;\n  --tint: #f8fafc;\n  --primary: #1d4ed8;\n  --accent: #c2410c;\n  --accent-hover: #9a3412;\n  --chart-1: #1e40af;\n  --chart-2: #0d9488;\n  --chart-3: #7c3aed;\n  --chart-4: #be185d;\n  --chart-5: #334155;\n  width: 100%;\n  max-width: 1200px;\n  margin: 0 auto;\n  color: var(--ink);\n  background: var(--surface);\n  border: 1px solid var(--border);\n  border-radius: 8px;\n  box-shadow: 0 1px 2px rgba(15, 23, 42, .06);\n  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, \"Segoe UI\", sans-serif;\n  font-size: 15px;\n  line-height: 1.55;\n  overflow-wrap: anywhere;\n}\n.fvc-calculator,\n.fvc-calculator *,\n.fvc-calculator *::before,\n.fvc-calculator *::after {\n  box-sizing: border-box;\n}\n.fvc-calculator * {\n  min-width: 0;\n}\n.fvc-calculator button,\n.fvc-calculator input,\n.fvc-calculator select {\n  font: inherit;\n}\n.fvc-calculator button,\n.fvc-calculator a,\n.fvc-calculator input,\n.fvc-calculator select {\n  -webkit-tap-highlight-color: transparent;\n}\n.fvc-calculator a {\n  color: var(--primary);\n  text-decoration-thickness: 1px;\n  text-underline-offset: 3px;\n}\n.fvc-calculator a:hover {\n  text-decoration-thickness: 2px;\n}\n.fvc-calculator :focus-visible {\n  outline: 3px solid rgba(29, 78, 216, .35);\n  outline-offset: 2px;\n}\n.fvc-header {\n  padding: 24px 24px 16px;\n  border-bottom: 1px solid var(--border);\n  background: linear-gradient(180deg, #ffffff 0%, #f8fafc 100%);\n}\n.fvc-header h2 {\n  margin: 0;\n  font-size: 24px;\n  line-height: 1.25;\n  font-weight: 700;\n  letter-spacing: -.02em;\n}\n.fvc-subtitle {\n  margin: 8px 0 0;\n  color: var(--muted);\n  max-width: 780px;\n}\n.fvc-pills {\n  display: flex;\n  flex-wrap: wrap;\n  gap: 8px;\n  margin-top: 16px;\n}\n.fvc-pill {\n  display: inline-flex;\n  align-items: baseline;\n  gap: 6px;\n  padding: 5px 9px;\n  border: 1px solid var(--border);\n  border-radius: 999px;\n  background: var(--surface);\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n}\n.fvc-pill strong {\n  color: var(--ink);\n  font-variant-numeric: tabular-nums;\n}\n.fvc-toolbar {\n  display: flex;\n  flex-wrap: wrap;\n  gap: 8px;\n  padding: 16px 24px;\n  border-bottom: 1px solid var(--border);\n  background: var(--surface);\n}\n.fvc-button {\n  min-height: 44px;\n  border: 1px solid var(--border);\n  border-radius: 6px;\n  padding: 10px 16px;\n  background: var(--surface);\n  color: var(--ink);\n  font-weight: 650;\n  cursor: pointer;\n  transition: background-color .16s ease, border-color .16s ease, box-shadow .16s ease, transform .16s ease;\n}\n.fvc-button:hover {\n  border-color: #cbd5e1;\n  box-shadow: 0 2px 5px rgba(15, 23, 42, .10);\n}\n.fvc-button:active {\n  transform: translateY(1px);\n}\n.fvc-button-primary {\n  display: inline-flex;\n  align-items: center;\n  gap: 10px;\n  padding: 12px 18px;\n  border-color: var(--accent);\n  background: var(--accent);\n  color: #ffffff;\n  white-space: nowrap;\n}\n.fvc-button-primary:hover {\n  border-color: var(--accent-hover);\n  background: var(--accent-hover);\n  color: #ffffff;\n}\n.fvc-excel-icon {\n  width: 18px;\n  height: 18px;\n  flex: 0 0 18px;\n}\n.fvc-main {\n  padding: 24px;\n}\n.fvc-workspace {\n  display: grid;\n  grid-template-columns: minmax(0, 5fr) minmax(0, 7fr);\n  gap: 24px;\n  align-items: start;\n}\n.fvc-card {\n  border: 1px solid var(--border);\n  border-radius: 8px;\n  background: var(--surface);\n  box-shadow: 0 1px 2px rgba(15, 23, 42, .04);\n}\n.fvc-card-header {\n  padding: 16px 16px 12px;\n  border-bottom: 1px solid var(--border);\n}\n.fvc-card-header h3,\n.fvc-section-title {\n  margin: 0;\n  font-size: 18px;\n  line-height: 1.35;\n  font-weight: 650;\n}\n.fvc-card-header p,\n.fvc-section-intro {\n  margin: 4px 0 0;\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n}\n.fvc-card-body {\n  padding: 16px;\n}\n.fvc-form-grid {\n  display: grid;\n  grid-template-columns: repeat(2, minmax(0, 1fr));\n  gap: 16px;\n}\n.fvc-field {\n  display: flex;\n  flex-direction: column;\n  align-items: stretch;\n  gap: 6px;\n}\n.fvc-field label,\n.fvc-fieldset legend {\n  color: var(--ink);\n  font-size: 14px;\n  font-weight: 600;\n}\n.fvc-control {\n  width: 100%;\n  min-height: 44px;\n  border: 1px solid #cbd5e1;\n  border-radius: 6px;\n  padding: 9px 11px;\n  background: #ffffff;\n  color: var(--ink);\n  font-size: 15px;\n  font-variant-numeric: tabular-nums;\n}\n.fvc-control:hover {\n  border-color: #94a3b8;\n}\n.fvc-control[aria-invalid=\"true\"] {\n  border-color: #b91c1c;\n  background: #fff7f7;\n}\n.fvc-helper {\n  min-height: 40px;\n  margin: 0;\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n  line-height: 1.45;\n}\n.fvc-fieldset {\n  grid-column: 1 \/ -1;\n  margin: 0;\n  padding: 0;\n  border: 0;\n}\n.fvc-fieldset legend {\n  margin-bottom: 8px;\n}\n.fvc-segmented {\n  display: grid;\n  grid-template-columns: repeat(2, minmax(0, 1fr));\n  gap: 8px;\n}\n.fvc-segment-option {\n  position: relative;\n}\n.fvc-segment-option input {\n  position: absolute;\n  width: 1px;\n  height: 1px;\n  opacity: 0;\n  pointer-events: none;\n}\n.fvc-segment-option label {\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  min-height: 44px;\n  padding: 9px 12px;\n  border: 1px solid #cbd5e1;\n  border-radius: 6px;\n  background: #ffffff;\n  color: var(--muted);\n  font-size: 14px;\n  font-weight: 600;\n  cursor: pointer;\n  text-align: center;\n}\n.fvc-segment-option input:checked + label {\n  border-color: var(--primary);\n  background: #eff6ff;\n  color: #1e3a8a;\n  box-shadow: inset 0 0 0 1px var(--primary);\n}\n.fvc-segment-option input:focus-visible + label {\n  outline: 3px solid rgba(29, 78, 216, .35);\n  outline-offset: 2px;\n}\n.fvc-errors {\n  display: none;\n  margin-top: 16px;\n  padding: 10px 12px;\n  border: 1px solid #fecaca;\n  border-radius: 6px;\n  background: #fef2f2;\n  color: #991b1b;\n  font-size: 13px;\n  font-weight: 600;\n}\n.fvc-errors.fvc-show {\n  display: block;\n}\n.fvc-primary-result {\n  padding: 20px;\n  border-bottom: 1px solid var(--border);\n  background: var(--tint);\n}\n.fvc-primary-label {\n  display: block;\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 600;\n  text-transform: uppercase;\n  letter-spacing: .04em;\n}\n.fvc-primary-value {\n  display: block;\n  margin-top: 4px;\n  color: var(--ink);\n  font-size: 30px;\n  line-height: 1.2;\n  font-weight: 700;\n  font-variant-numeric: tabular-nums;\n  overflow-wrap: anywhere;\n}\n.fvc-primary-note {\n  margin: 6px 0 0;\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n}\n.fvc-result-grid {\n  display: grid;\n  grid-template-columns: repeat(2, minmax(0, 1fr));\n  gap: 12px;\n  padding: 16px;\n}\n.fvc-result-item {\n  padding: 12px;\n  border: 1px solid var(--border);\n  border-radius: 6px;\n  background: #ffffff;\n}\n.fvc-result-item span {\n  display: block;\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n}\n.fvc-result-item strong {\n  display: block;\n  margin-top: 4px;\n  font-size: 20px;\n  line-height: 1.3;\n  font-weight: 700;\n  font-variant-numeric: tabular-nums;\n  overflow-wrap: anywhere;\n}\n.fvc-section {\n  margin-top: 24px;\n}\n.fvc-breakdown-card,\n.fvc-line-card,\n.fvc-table-card {\n  padding: 16px;\n}\n.fvc-chart-heading {\n  margin-bottom: 16px;\n}\n.fvc-chart-heading h3 {\n  margin: 0;\n  font-size: 18px;\n  line-height: 1.35;\n  font-weight: 650;\n}\n.fvc-chart-heading p {\n  margin: 4px 0 0;\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n}\n.fvc-breakdown-cluster {\n  display: grid;\n  grid-template-columns: minmax(250px, 300px) minmax(0, max-content);\n  justify-content: center;\n  align-items: center;\n  gap: 24px;\n}\n.fvc-donut-plot {\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  width: 100%;\n  min-height: 280px;\n}\n.fvc-donut-svg {\n  display: block;\n  width: min(100%, 280px);\n  height: auto;\n  aspect-ratio: 1;\n}\n.fvc-donut-center-label {\n  fill: var(--muted);\n  font-size: 13px;\n  font-weight: 600;\n  text-anchor: middle;\n}\n.fvc-donut-center-value {\n  fill: var(--ink);\n  font-size: 22px;\n  font-weight: 700;\n  text-anchor: middle;\n  font-variant-numeric: tabular-nums;\n}\n.fvc-legend {\n  display: grid;\n  gap: 10px;\n  align-content: center;\n}\n.fvc-legend-row {\n  display: grid;\n  grid-template-columns: 12px minmax(92px, max-content) max-content max-content;\n  align-items: center;\n  column-gap: 10px;\n  row-gap: 4px;\n  color: var(--ink);\n  font-size: 13px;\n  font-weight: 500;\n}\n.fvc-swatch {\n  width: 12px;\n  height: 12px;\n  border-radius: 2px;\n}\n.fvc-legend-name {\n  font-weight: 600;\n}\n.fvc-legend-value,\n.fvc-legend-share {\n  font-variant-numeric: tabular-nums;\n  white-space: nowrap;\n}\n.fvc-legend-share {\n  color: var(--muted);\n}\n.fvc-empty-state {\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  width: 100%;\n  min-height: 96px;\n  padding: 16px;\n  border: 1px dashed #cbd5e1;\n  border-radius: 6px;\n  background: var(--tint);\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 600;\n  text-align: center;\n}\n.fvc-chart-callout,\n.fvc-table-note {\n  margin-top: 16px;\n  padding: 10px 12px;\n  border: 1px solid var(--border);\n  border-radius: 6px;\n  background: var(--tint);\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n}\n.fvc-line-layout {\n  display: grid;\n  gap: 16px;\n}\n.fvc-line-plot {\n  width: 100%;\n  min-height: 300px;\n}\n.fvc-line-svg {\n  display: block;\n  width: 100%;\n  height: auto;\n  min-height: 300px;\n}\n.fvc-line-legend {\n  display: flex;\n  flex-wrap: wrap;\n  justify-content: center;\n  align-items: center;\n  gap: 10px 18px;\n  font-size: 13px;\n  font-weight: 600;\n}\n.fvc-line-legend-item {\n  display: inline-grid;\n  grid-template-columns: 18px max-content;\n  align-items: center;\n  gap: 8px;\n}\n.fvc-line-key {\n  height: 3px;\n  border-radius: 2px;\n}\n.fvc-safe-chart-stack .fvc-breakdown-cluster {\n  grid-template-columns: minmax(0, 1fr);\n  justify-items: center;\n  gap: 16px;\n}\n.fvc-safe-chart-stack .fvc-legend {\n  width: min(100%, 420px);\n}\n.fvc-safe-chart-stack .fvc-donut-plot,\n.fvc-safe-chart-stack .fvc-line-plot,\n.fvc-safe-chart-stack .fvc-line-svg {\n  height: auto;\n}\n.fvc-safe-chart-stack .fvc-chart-callout {\n  margin-top: 20px;\n}\n.fvc-table-overflow {\n  width: 100%;\n  overflow-x: auto;\n  border: 1px solid var(--border);\n  border-radius: 6px;\n  background: var(--surface);\n}\n.fvc-table {\n  width: 100%;\n  min-width: 760px;\n  border-collapse: collapse;\n  font-size: 13px;\n  font-variant-numeric: tabular-nums;\n}\n.fvc-table th,\n.fvc-table td {\n  padding: 10px 12px;\n  border-bottom: 1px solid var(--border);\n  text-align: right;\n  white-space: nowrap;\n}\n.fvc-table th {\n  background: #f1f5f9;\n  color: var(--ink);\n  font-weight: 650;\n}\n.fvc-table th:first-child,\n.fvc-table td:first-child {\n  text-align: left;\n}\n.fvc-table tbody tr:last-child td {\n  border-bottom: 0;\n  font-weight: 650;\n}\n.fvc-breakdown-table {\n  min-width: 520px;\n}\n.fvc-safe-table-stack .fvc-table-overflow {\n  height: auto;\n  max-height: none;\n}\n.fvc-safe-table-stack .fvc-table-note {\n  margin-top: 20px;\n}\n.fvc-education {\n  margin-top: 32px;\n  padding-top: 24px;\n  border-top: 1px solid var(--border);\n  max-width: 900px;\n}\n.fvc-education h2 {\n  margin: 0 0 12px;\n  font-size: 24px;\n  line-height: 1.3;\n  font-weight: 700;\n}\n.fvc-education h3 {\n  margin: 24px 0 8px;\n  font-size: 18px;\n  line-height: 1.4;\n  font-weight: 650;\n}\n.fvc-education p,\n.fvc-education ul {\n  margin: 0 0 12px;\n  color: #334155;\n}\n.fvc-education ul {\n  padding-left: 22px;\n}\n.fvc-education li + li {\n  margin-top: 6px;\n}\n.fvc-formula {\n  margin: 12px 0;\n  padding: 12px;\n  border-left: 4px solid var(--primary);\n  border-radius: 0 6px 6px 0;\n  background: #eff6ff;\n  color: #1e3a8a;\n  font-family: ui-monospace, SFMono-Regular, Menlo, Consolas, monospace;\n  font-size: 13px;\n  font-weight: 600;\n  overflow-wrap: anywhere;\n}\n.fvc-visually-hidden {\n  position: absolute;\n  width: 1px;\n  height: 1px;\n  padding: 0;\n  margin: -1px;\n  overflow: hidden;\n  clip: rect(0, 0, 0, 0);\n  white-space: nowrap;\n  border: 0;\n}\n@media (max-width: 899px) {\n  .fvc-workspace {\n    grid-template-columns: minmax(0, 1fr);\n  }\n}\n@media (max-width: 639px) {\n  .fvc-header,\n  .fvc-toolbar,\n  .fvc-main {\n    padding-left: 16px;\n    padding-right: 16px;\n  }\n  .fvc-form-grid,\n  .fvc-result-grid {\n    grid-template-columns: minmax(0, 1fr);\n  }\n  .fvc-helper {\n    min-height: 0;\n  }\n  .fvc-breakdown-cluster {\n    grid-template-columns: minmax(0, 1fr);\n    justify-items: center;\n    gap: 16px;\n  }\n  .fvc-donut-plot {\n    min-height: 250px;\n  }\n  .fvc-legend {\n    width: min(100%, 390px);\n  }\n  .fvc-legend-row {\n    grid-template-columns: 12px minmax(82px, max-content) max-content max-content;\n    column-gap: 8px;\n  }\n  .fvc-chart-callout,\n  .fvc-table-note {\n    margin-top: 16px;\n  }\n}\n@media (max-width: 380px) {\n  .fvc-toolbar .fvc-button {\n    width: 100%;\n    justify-content: center;\n  }\n  .fvc-segmented {\n    grid-template-columns: minmax(0, 1fr);\n  }\n  .fvc-legend-row {\n    grid-template-columns: 12px minmax(0, 1fr) max-content;\n  }\n  .fvc-legend-share {\n    grid-column: 2 \/ -1;\n    padding-left: 0;\n  }\n}\n\u003c\/style\u003e\n\u003cdiv class=\"fvc-calculator\" data-calculator-root\u003e\n  \u003cheader class=\"fvc-header\"\u003e\n    \u003ch2\u003eFuture Value Calculator\u003c\/h2\u003e\n    \u003cp class=\"fvc-subtitle\"\u003eProject how a starting balance and recurring deposits can grow over a chosen number of compounding periods.\u003c\/p\u003e\n    \u003cdiv class=\"fvc-pills\" aria-label=\"Live calculation highlights\"\u003e\n      \u003cspan class=\"fvc-pill\"\u003eFuture value \u003cstrong data-fvc-pill=\"future\"\u003e$3,108.93\u003c\/strong\u003e\u003c\/span\u003e\n      \u003cspan class=\"fvc-pill\"\u003eInterest \u003cstrong data-fvc-pill=\"interest\"\u003e$1,108.93\u003c\/strong\u003e\u003c\/span\u003e\n      \u003cspan class=\"fvc-pill\"\u003ePeriods \u003cstrong data-fvc-pill=\"periods\"\u003e10\u003c\/strong\u003e\u003c\/span\u003e\n      \u003cspan class=\"fvc-pill\"\u003eDeposit timing \u003cstrong data-fvc-pill=\"timing\"\u003eEnd\u003c\/strong\u003e\u003c\/span\u003e\n    \u003c\/div\u003e\n  \u003c\/header\u003e\n\n  \u003cdiv class=\"fvc-toolbar\" aria-label=\"Calculator actions\"\u003e\n    \u003cbutton class=\"fvc-button fvc-button-primary\" type=\"button\" data-fvc-action=\"download\"\u003e\n      \u003csvg class=\"fvc-excel-icon\" viewbox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"\u003e\n        \u003cpath fill=\"currentColor\" d=\"M4 2h11a2 2 0 0 1 2 2v4h3v12a2 2 0 0 1-2 2H6a2 2 0 0 1-2-2V2Zm2 2v16h12V10h-3V4H6Zm2.1 5.2h2.2l1.7 2.7 1.7-2.7h2.2l-2.8 4.2 3 4.6h-2.2L12 14.9 10.1 18H7.9l3-4.6-2.8-4.2Z\"\u003e\u003c\/path\u003e\n      \u003c\/svg\u003e\n      \u003cspan\u003eDownload Excel\u003c\/span\u003e\n    \u003c\/button\u003e\n    \u003cbutton class=\"fvc-button\" type=\"button\" data-fvc-action=\"reset\"\u003eReset\u003c\/button\u003e\n  \u003c\/div\u003e\n\n  \u003cmain class=\"fvc-main\"\u003e\n    \u003cdiv class=\"fvc-workspace\"\u003e\n      \u003csection class=\"fvc-card fvc-input-card\" aria-labelledby=\"fvc-inputs-title\"\u003e\n        \u003cdiv class=\"fvc-card-header\"\u003e\n          \u003ch3 id=\"fvc-inputs-title\"\u003eAssumptions\u003c\/h3\u003e\n          \u003cp\u003eUse one consistent period: years, months, quarters, or another interval.\u003c\/p\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"fvc-card-body\"\u003e\n          \u003cdiv class=\"fvc-form-grid\"\u003e\n            \u003cdiv class=\"fvc-field\"\u003e\n              \u003clabel for=\"fvc-periods\"\u003eNumber of periods (N)\u003c\/label\u003e\n              \u003cinput class=\"fvc-control\" id=\"fvc-periods\" data-fvc-input=\"periods\" type=\"text\" inputmode=\"numeric\" value=\"10\" autocomplete=\"off\" aria-describedby=\"fvc-periods-help\"\u003e\n              \u003cp class=\"fvc-helper\" id=\"fvc-periods-help\"\u003eWhole compounding periods, from 0 to 600.\u003c\/p\u003e\n            \u003c\/div\u003e\n            \u003cdiv class=\"fvc-field\"\u003e\n              \u003clabel for=\"fvc-starting\"\u003eStarting amount (PV)\u003c\/label\u003e\n              \u003cinput class=\"fvc-control\" id=\"fvc-starting\" data-fvc-input=\"starting\" type=\"text\" inputmode=\"decimal\" value=\"$1,000.00\" autocomplete=\"off\" aria-describedby=\"fvc-starting-help\"\u003e\n              \u003cp class=\"fvc-helper\" id=\"fvc-starting-help\"\u003eMoney available at the start of period 1.\u003c\/p\u003e\n            \u003c\/div\u003e\n            \u003cdiv class=\"fvc-field\"\u003e\n              \u003clabel for=\"fvc-rate\"\u003eInterest rate (I\/Y) per period\u003c\/label\u003e\n              \u003cinput class=\"fvc-control\" id=\"fvc-rate\" data-fvc-input=\"rate\" type=\"text\" inputmode=\"decimal\" value=\"6.00%\" autocomplete=\"off\" aria-describedby=\"fvc-rate-help\"\u003e\n              \u003cp class=\"fvc-helper\" id=\"fvc-rate-help\"\u003eEnter the rate for the same period used for N.\u003c\/p\u003e\n            \u003c\/div\u003e\n            \u003cdiv class=\"fvc-field\"\u003e\n              \u003clabel for=\"fvc-deposit\"\u003ePeriodic deposit (PMT)\u003c\/label\u003e\n              \u003cinput class=\"fvc-control\" id=\"fvc-deposit\" data-fvc-input=\"deposit\" type=\"text\" inputmode=\"decimal\" value=\"$100.00\" autocomplete=\"off\" aria-describedby=\"fvc-deposit-help\"\u003e\n              \u003cp class=\"fvc-helper\" id=\"fvc-deposit-help\"\u003eFixed contribution made in every period.\u003c\/p\u003e\n            \u003c\/div\u003e\n            \u003cfieldset class=\"fvc-fieldset\"\u003e\n              \u003clegend\u003eDeposit timing within each period\u003c\/legend\u003e\n              \u003cdiv class=\"fvc-segmented\"\u003e\n                \u003cdiv class=\"fvc-segment-option\"\u003e\n                  \u003cinput id=\"fvc-timing-begin\" data-fvc-input=\"timing\" type=\"radio\" name=\"fvc-timing\" value=\"begin\"\u003e\n                  \u003clabel for=\"fvc-timing-begin\"\u003eBeginning of period\u003c\/label\u003e\n                \u003c\/div\u003e\n                \u003cdiv class=\"fvc-segment-option\"\u003e\n                  \u003cinput id=\"fvc-timing-end\" data-fvc-input=\"timing\" type=\"radio\" name=\"fvc-timing\" value=\"end\" checked\u003e\n                  \u003clabel for=\"fvc-timing-end\"\u003eEnd of period\u003c\/label\u003e\n                \u003c\/div\u003e\n              \u003c\/div\u003e\n            \u003c\/fieldset\u003e\n          \u003c\/div\u003e\n          \u003cdiv class=\"fvc-errors\" data-fvc-errors role=\"alert\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n      \u003c\/section\u003e\n\n      \u003csection class=\"fvc-card fvc-results-card\" aria-labelledby=\"fvc-results-title\"\u003e\n        \u003cdiv class=\"fvc-card-header\"\u003e\n          \u003ch3 id=\"fvc-results-title\"\u003eResults\u003c\/h3\u003e\n          \u003cp\u003eAll figures update as assumptions change.\u003c\/p\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"fvc-primary-result\" aria-live=\"polite\" aria-atomic=\"true\"\u003e\n          \u003cspan class=\"fvc-primary-label\"\u003eFuture value\u003c\/span\u003e\n          \u003cstrong class=\"fvc-primary-value\" data-fvc-result=\"future\"\u003e$3,108.93\u003c\/strong\u003e\n          \u003cp class=\"fvc-primary-note\" data-fvc-result=\"summary\"\u003eAfter 10 periods with deposits at each period end.\u003c\/p\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"fvc-result-grid\"\u003e\n          \u003cdiv class=\"fvc-result-item\"\u003e\n            \u003cspan\u003ePresent value (PV)\u003c\/span\u003e\n            \u003cstrong data-fvc-result=\"present-value\"\u003e$1,736.01\u003c\/strong\u003e\n          \u003c\/div\u003e\n          \u003cdiv class=\"fvc-result-item\"\u003e\n            \u003cspan\u003eTotal periodic deposits\u003c\/span\u003e\n            \u003cstrong data-fvc-result=\"deposits\"\u003e$1,000.00\u003c\/strong\u003e\n          \u003c\/div\u003e\n          \u003cdiv class=\"fvc-result-item\"\u003e\n            \u003cspan\u003eTotal interest\u003c\/span\u003e\n            \u003cstrong data-fvc-result=\"interest\"\u003e$1,108.93\u003c\/strong\u003e\n          \u003c\/div\u003e\n          \u003cdiv class=\"fvc-result-item\"\u003e\n            \u003cspan\u003eInterest share of final value\u003c\/span\u003e\n            \u003cstrong data-fvc-result=\"interest-share\"\u003e35.67%\u003c\/strong\u003e\n          \u003c\/div\u003e\n          \u003cdiv class=\"fvc-result-item\"\u003e\n            \u003cspan\u003eTotal contributed\u003c\/span\u003e\n            \u003cstrong data-fvc-result=\"contributed\"\u003e$2,000.00\u003c\/strong\u003e\n          \u003c\/div\u003e\n          \u003cdiv class=\"fvc-result-item\"\u003e\n            \u003cspan\u003eSchedule length\u003c\/span\u003e\n            \u003cstrong data-fvc-result=\"schedule-length\"\u003e10 periods\u003c\/strong\u003e\n          \u003c\/div\u003e\n        \u003c\/div\u003e\n      \u003c\/section\u003e\n    \u003c\/div\u003e\n\n    \u003csection class=\"fvc-section fvc-card fvc-breakdown-card fvc-chart-card\" data-fvc-chart-card=\"breakdown\" aria-labelledby=\"fvc-breakdown-title\"\u003e\n      \u003cdiv class=\"fvc-chart-heading\"\u003e\n        \u003ch3 id=\"fvc-breakdown-title\"\u003eFinal value breakdown\u003c\/h3\u003e\n        \u003cp data-fvc-breakdown-intro\u003eSee how starting principal, recurring deposits, and accumulated interest contribute to the result.\u003c\/p\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"fvc-breakdown-cluster\"\u003e\n        \u003cdiv class=\"fvc-donut-plot\" data-fvc-chart-plot=\"breakdown\" role=\"img\" aria-label=\"Future value breakdown chart\"\u003e\u003c\/div\u003e\n        \u003cdiv class=\"fvc-legend\" data-fvc-legend=\"breakdown\" aria-label=\"Breakdown legend\"\u003e\u003c\/div\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"fvc-chart-callout\" data-fvc-caption=\"breakdown\"\u003eInterest supplies 35.67% of the final value under the current assumptions.\u003c\/div\u003e\n      \u003cdiv class=\"fvc-table-overflow\" data-fvc-table-wrap=\"breakdown\"\u003e\n        \u003ctable class=\"fvc-table fvc-breakdown-table\" aria-label=\"Future value breakdown data\"\u003e\n          \u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eComponent\u003c\/th\u003e\n\u003cth\u003eAmount\u003c\/th\u003e\n\u003cth\u003eShare of final value\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n          \u003ctbody data-fvc-breakdown-body\u003e\u003c\/tbody\u003e\n        \u003c\/table\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"fvc-table-note\" data-fvc-table-note=\"breakdown\"\u003eThe component amounts cross-foot to the displayed future value; negative interest is shown in the table but not as a donut segment.\u003c\/div\u003e\n    \u003c\/section\u003e\n\n    \u003csection class=\"fvc-section fvc-card fvc-line-card fvc-chart-card\" data-fvc-chart-card=\"growth\" aria-labelledby=\"fvc-growth-title\"\u003e\n      \u003cdiv class=\"fvc-chart-heading\"\u003e\n        \u003ch3 id=\"fvc-growth-title\"\u003eGrowth by period\u003c\/h3\u003e\n        \u003cp\u003eCompare the account balance with cumulative contributions and cumulative interest.\u003c\/p\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"fvc-line-layout\"\u003e\n        \u003cdiv class=\"fvc-line-plot\" data-fvc-chart-plot=\"growth\" role=\"img\" aria-label=\"Growth by period chart\"\u003e\u003c\/div\u003e\n        \u003cdiv class=\"fvc-line-legend\" data-fvc-legend=\"growth\" aria-label=\"Growth chart legend\"\u003e\u003c\/div\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"fvc-chart-callout\" data-fvc-caption=\"growth\"\u003eExact period-by-period figures appear in the projection table below.\u003c\/div\u003e\n    \u003c\/section\u003e\n\n    \u003csection class=\"fvc-section fvc-card fvc-table-card\" data-fvc-table-card=\"schedule\" aria-labelledby=\"fvc-table-title\"\u003e\n      \u003cdiv class=\"fvc-chart-heading\"\u003e\n        \u003ch3 id=\"fvc-table-title\"\u003eProjection schedule\u003c\/h3\u003e\n        \u003cp\u003eInterest is calculated from the opening balance and adjusted for deposit timing.\u003c\/p\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"fvc-table-overflow\" data-fvc-table-wrap=\"schedule\"\u003e\n        \u003ctable class=\"fvc-table\" aria-label=\"Future value projection schedule\"\u003e\n          \u003cthead\u003e\n            \u003ctr\u003e\n              \u003cth\u003ePeriod\u003c\/th\u003e\n              \u003cth\u003eStart balance\u003c\/th\u003e\n              \u003cth\u003eDeposit\u003c\/th\u003e\n              \u003cth\u003eInterest\u003c\/th\u003e\n              \u003cth\u003eEnd balance\u003c\/th\u003e\n              \u003cth\u003eCumulative deposits\u003c\/th\u003e\n              \u003cth\u003eCumulative interest\u003c\/th\u003e\n            \u003c\/tr\u003e\n          \u003c\/thead\u003e\n          \u003ctbody data-fvc-schedule-body\u003e\u003c\/tbody\u003e\n        \u003c\/table\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"fvc-table-note\" data-fvc-table-note=\"schedule\"\u003eRows use full internal precision. Display values are rounded to cents, so adding displayed rows can occasionally differ by a cent from an unrounded total.\u003c\/div\u003e\n    \u003c\/section\u003e\n\n    \u003csection class=\"fvc-education\" aria-labelledby=\"fvc-guide-title\"\u003e\n      \u003ch2 id=\"fvc-guide-title\"\u003eHow to use the future value projection\u003c\/h2\u003e\n      \u003cp\u003eThis calculator estimates how much a starting balance plus equal recurring deposits may be worth after a specified number of compounding periods. It is a time-value-of-money model, not a forecast or promise of investment performance. The assumed rate is applied consistently in every period, while real returns, fees, taxes, inflation, and deposit amounts may vary.\u003c\/p\u003e\n\n      \u003ch3\u003eWhat each input means\u003c\/h3\u003e\n      \u003cp\u003e\u003cstrong\u003eNumber of periods (N)\u003c\/strong\u003e is the count of compounding intervals. A period can represent a year, month, quarter, or another interval, but every other input must use that same interval. Ten periods at 6% per period is not the same as ten years at a 6% annual rate compounded monthly. Use a whole number from 0 to 600. More periods generally increase future value when the rate and cash flows are positive, because both principal and earlier interest have more time to compound.\u003c\/p\u003e\n      \u003cp\u003e\u003cstrong\u003eStarting amount (PV)\u003c\/strong\u003e is the balance available before the first period begins. It is required for a lump-sum projection but may be zero when modeling deposits only. A larger starting amount normally raises the final value proportionally. Avoid entering money that will not actually remain invested for the full horizon.\u003c\/p\u003e\n      \u003cp\u003e\u003cstrong\u003eInterest rate (I\/Y) per period\u003c\/strong\u003e is the growth rate applied during each interval. Enter 6% as 6 or 6%. A monthly model needs a monthly rate; an annual model needs an annual rate. A zero rate means there is no growth, and a negative rate models loss of value. Rates cannot be -100% or lower because that would eliminate or invert the balance in one period. Small rate changes can have a large effect over long horizons, so conservative scenario testing is usually more informative than relying on one optimistic assumption.\u003c\/p\u003e\n      \u003cp\u003e\u003cstrong\u003ePeriodic deposit (PMT)\u003c\/strong\u003e is the fixed amount added every period. It may be zero when projecting a starting lump sum only. Increasing the deposit raises both contributed principal and the interest that those deposits can earn. Do not enter a monthly deposit while treating N and the rate as annual values.\u003c\/p\u003e\n      \u003cp\u003e\u003cstrong\u003eDeposit timing\u003c\/strong\u003e controls whether each PMT is made at the beginning or end of the period. Beginning-of-period deposits earn interest immediately and therefore produce a higher future value when the rate is positive. End-of-period deposits represent an ordinary annuity and match many payroll or month-end saving patterns.\u003c\/p\u003e\n\n      \u003ch3\u003eHow the calculation works\u003c\/h3\u003e\n      \u003cp\u003eThe starting amount compounds on its own, while the recurring deposits form an annuity. For an end-of-period deposit schedule, the model uses the ordinary-annuity formula. For beginning-of-period deposits, the annuity amount is multiplied by one additional growth factor because each payment compounds for one extra period.\u003c\/p\u003e\n      \u003cdiv class=\"fvc-formula\"\u003eFV = PV × (1 + r)^N + PMT × [((1 + r)^N − 1) ÷ r] × timing factor\u003c\/div\u003e\n      \u003cp\u003eHere, \u003cstrong\u003er\u003c\/strong\u003e is the rate per period and the timing factor is 1 for end-of-period deposits or (1 + r) for beginning-of-period deposits. When r is zero, the model uses the direct fallback FV = PV + PMT × N to avoid division by zero. The schedule independently rolls each period forward, which makes it easier to see how deposits and interest accumulate.\u003c\/p\u003e\n\n      \u003ch3\u003eHow to interpret the results\u003c\/h3\u003e\n      \u003cp\u003e\u003cstrong\u003eFuture value\u003c\/strong\u003e is the projected closing balance after the last period. \u003cstrong\u003ePresent value (PV)\u003c\/strong\u003e discounts the projected future value back across the selected periods at the assumed rate; it represents the time-zero equivalent of the final amount under this model. \u003cstrong\u003eTotal periodic deposits\u003c\/strong\u003e is PMT multiplied by N. \u003cstrong\u003eTotal contributed\u003c\/strong\u003e combines the original balance and all deposits. \u003cstrong\u003eTotal interest\u003c\/strong\u003e is future value minus total contributed; it can be negative when the assumed rate is negative. \u003cstrong\u003eInterest share\u003c\/strong\u003e shows how much of the final balance comes from growth rather than contributions. A high share can indicate strong compounding, but it can also reflect an aggressive rate assumption.\u003c\/p\u003e\n      \u003cp\u003eThe breakdown chart uses the original starting principal, deposits, and interest so its components sum exactly to future value. The growth chart shows three series: closing balance, cumulative contributions, and cumulative interest. The projection table exposes the exact mechanics. Start balance is the amount entering a period; deposit is the period cash flow; interest is the amount earned or lost during that period; end balance is carried into the next row.\u003c\/p\u003e\n\n      \u003ch3\u003eScenario analysis and common mistakes\u003c\/h3\u003e\n      \u003cul\u003e\n        \u003cli\u003eTest a lower rate, a base rate, and a higher rate rather than treating one estimate as certain.\u003c\/li\u003e\n        \u003cli\u003eCompare deposit timing only when it reflects a real cash-flow change; moving a deposit earlier is not free.\u003c\/li\u003e\n        \u003cli\u003eKeep period units aligned. For a 6% nominal annual rate with monthly compounding, a simple approximation is 0.5% per month and 12 periods per year, though account conventions may differ.\u003c\/li\u003e\n        \u003cli\u003eRemember that nominal future value does not show purchasing power. Inflation, taxes, fees, and volatility can materially reduce real outcomes.\u003c\/li\u003e\n        \u003cli\u003eUse Reset to move to a neutral zero state, then build a fresh scenario without carrying forward stale assumptions.\u003c\/li\u003e\n      \u003c\/ul\u003e\n      \u003cp\u003eFor additional context, review the U.S. Securities and Exchange Commission’s \u003ca href=\"https:\/\/www.investor.gov\/financial-tools-calculators\/calculators\/compound-interest-calculator\" target=\"_blank\" rel=\"noopener noreferrer\"\u003ecompound interest calculator\u003c\/a\u003e and its explanation of \u003ca href=\"https:\/\/www.investor.gov\/additional-resources\/information\/youth\/teachers-classroom-resources\/what-compound-interest\" target=\"_blank\" rel=\"noopener noreferrer\"\u003ecompound interest\u003c\/a\u003e. The Federal Reserve Bank of St. Louis offers an accessible discussion of the \u003ca href=\"https:\/\/www.stlouisfed.org\/publications\/page-one-economics\/2024\/oct\/baseball-700-million-bet-on-time-value-of-money\" target=\"_blank\" rel=\"noopener noreferrer\"\u003etime value of money\u003c\/a\u003e, while the Consumer Financial Protection Bureau provides broader \u003ca href=\"https:\/\/www.consumerfinance.gov\/consumer-tools\/\" target=\"_blank\" rel=\"noopener noreferrer\"\u003econsumer money resources\u003c\/a\u003e. These resources are educational and do not replace professional advice tailored to a specific financial situation.\u003c\/p\u003e\n    \u003c\/section\u003e\n  \u003c\/main\u003e\n\u003c\/div\u003e","brand":"FinancialModelsLab","offers":[{"title":"Default Title","offer_id":49909481242867,"sku":"future-value-calculator","price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0522\/6191\/2762\/files\/future-value-calculator.webp?v=1783935391","url":"https:\/\/financialmodelslab.com\/products\/future-value-calculator","provider":"Financial Models Lab","version":"1.0","type":"link"}