How to read future value
Future value shows what the entered amount and contributions could become if the return assumption were achieved steadily. Compare the breakdown with your total contributions so the growth portion is visible.
Example
A $10,000 starting amount with $100 added monthly for 10 years at 5% annual return grows to roughly $29,000 with monthly compounding. The exact result depends on contribution timing.
Common mistakes
Do not read a steady return assumption as a forecast. For investments, compare several return scenarios and remember that fees, taxes and inflation reduce real value.
Limitations
Returns are not stable in real markets. This model excludes taxes, fees, inflation and volatility, so it is best used for scenario comparison rather than prediction.
Last reviewed: 2026-05-17