The formula to calculate Future Value (FV) is:
\[ FV = PV \cdot \left(1 + \left(\frac{%RoR \cdot 0.01}{Cn}\right)\right)^{Cn \cdot nPeriods} \]
Where:
Future Value is the calculated future value of any investment.
Present Value is the value that determines the value of a series of future periodic payments at a given time.
Rate of Return is the gain or loss on an investment over a specified time period, expressed as a percentage of the investment’s cost.
Compounding Periods is the number of times compounding will occur during a period.
Number of Periods is the periods on an annuity using the present value, periodic payment, and periodic rate.
Let's assume the following values:
Using the formula:
\[ FV = PV \cdot \left(1 + \left(\frac{4.5 \cdot 0.01}{11}\right)\right)^{11 \cdot 2} \]
Evaluating:
\[ FV = 100 \cdot \left(1 + \left(\frac{4.5 \cdot 0.01}{11}\right)\right)^{22} \]
The Future Value is 109.40.
| Present Value | Rate of Return (%) | Compounding Periods | Number of Periods | Future Value |
|---|---|---|---|---|
| 90 | 4% | 10 | 1 | 93.67 |
| 90 | 4% | 10 | 2 | 97.48 |
| 90 | 4% | 10 | 3 | 101.45 |
| 90 | 4% | 11 | 1 | 93.67 |
| 90 | 4% | 11 | 2 | 97.48 |
| 90 | 4% | 11 | 3 | 101.45 |
| 90 | 4% | 12 | 1 | 93.67 |
| 90 | 4% | 12 | 2 | 97.48 |
| 90 | 4% | 12 | 3 | 101.45 |
| 90 | 4.5% | 10 | 1 | 94.13 |
| 90 | 4.5% | 10 | 2 | 98.46 |
| 90 | 4.5% | 10 | 3 | 102.98 |
| 90 | 4.5% | 11 | 1 | 94.13 |
| 90 | 4.5% | 11 | 2 | 98.46 |
| 90 | 4.5% | 11 | 3 | 102.98 |
| 90 | 4.5% | 12 | 1 | 94.13 |
| 90 | 4.5% | 12 | 2 | 98.46 |
| 90 | 4.5% | 12 | 3 | 102.98 |
| 90 | 5% | 10 | 1 | 94.60 |
| 90 | 5% | 10 | 2 | 99.44 |
| 90 | 5% | 10 | 3 | 104.53 |
| 90 | 5% | 11 | 1 | 94.60 |
| 90 | 5% | 11 | 2 | 99.44 |
| 90 | 5% | 11 | 3 | 104.53 |
| 90 | 5% | 12 | 1 | 94.60 |
| 90 | 5% | 12 | 2 | 99.44 |
| 90 | 5% | 12 | 3 | 104.53 |
| 95 | 4% | 10 | 1 | 98.87 |
| 95 | 4% | 10 | 2 | 102.90 |
| 95 | 4% | 10 | 3 | 107.09 |
| 95 | 4% | 11 | 1 | 98.87 |
| 95 | 4% | 11 | 2 | 102.90 |
| 95 | 4% | 11 | 3 | 107.09 |
| 95 | 4% | 12 | 1 | 98.87 |
| 95 | 4% | 12 | 2 | 102.90 |
| 95 | 4% | 12 | 3 | 107.09 |
| 95 | 4.5% | 10 | 1 | 99.36 |
| 95 | 4.5% | 10 | 2 | 103.93 |
| 95 | 4.5% | 10 | 3 | 108.70 |
| 95 | 4.5% | 11 | 1 | 99.36 |
| 95 | 4.5% | 11 | 2 | 103.93 |
| 95 | 4.5% | 11 | 3 | 108.70 |
| 95 | 4.5% | 12 | 1 | 99.36 |
| 95 | 4.5% | 12 | 2 | 103.93 |
| 95 | 4.5% | 12 | 3 | 108.70 |
| 95 | 5% | 10 | 1 | 99.86 |
| 95 | 5% | 10 | 2 | 104.97 |
| 95 | 5% | 10 | 3 | 110.33 |
| 95 | 5% | 11 | 1 | 99.86 |
| 95 | 5% | 11 | 2 | 104.97 |
| 95 | 5% | 11 | 3 | 110.34 |
| 95 | 5% | 12 | 1 | 99.86 |
| 95 | 5% | 12 | 2 | 104.97 |
| 95 | 5% | 12 | 3 | 110.34 |
| 100 | 4% | 10 | 1 | 104.07 |
| 100 | 4% | 10 | 2 | 108.31 |
| 100 | 4% | 10 | 3 | 112.72 |
| 100 | 4% | 11 | 1 | 104.07 |
| 100 | 4% | 11 | 2 | 108.31 |
| 100 | 4% | 11 | 3 | 112.73 |
| 100 | 4% | 12 | 1 | 104.07 |
| 100 | 4% | 12 | 2 | 108.31 |
| 100 | 4% | 12 | 3 | 112.73 |
| 100 | 4.5% | 10 | 1 | 104.59 |
| 100 | 4.5% | 10 | 2 | 109.40 |
| 100 | 4.5% | 10 | 3 | 114.42 |
| 100 | 4.5% | 11 | 1 | 104.59 |
| 100 | 4.5% | 11 | 2 | 109.40 |
| 100 | 4.5% | 11 | 3 | 114.42 |
| 100 | 4.5% | 12 | 1 | 104.59 |
| 100 | 4.5% | 12 | 2 | 109.40 |
| 100 | 4.5% | 12 | 3 | 114.42 |
| 100 | 5% | 10 | 1 | 105.11 |
| 100 | 5% | 10 | 2 | 110.49 |
| 100 | 5% | 10 | 3 | 116.14 |
| 100 | 5% | 11 | 1 | 105.12 |
| 100 | 5% | 11 | 2 | 110.49 |
| 100 | 5% | 11 | 3 | 116.14 |
| 100 | 5% | 12 | 1 | 105.12 |
| 100 | 5% | 12 | 2 | 110.49 |
| 100 | 5% | 12 | 3 | 116.15 |
| 105 | 4% | 10 | 1 | 109.28 |
| 105 | 4% | 10 | 2 | 113.73 |
| 105 | 4% | 10 | 3 | 118.36 |
| 105 | 4% | 11 | 1 | 109.28 |
| 105 | 4% | 11 | 2 | 113.73 |
| 105 | 4% | 11 | 3 | 118.36 |
| 105 | 4% | 12 | 1 | 109.28 |
| 105 | 4% | 12 | 2 | 113.73 |
| 105 | 4% | 12 | 3 | 118.36 |
| 105 | 4.5% | 10 | 1 | 109.82 |
| 105 | 4.5% | 10 | 2 | 114.87 |
| 105 | 4.5% | 10 | 3 | 120.14 |
| 105 | 4.5% | 11 | 1 | 109.82 |
| 105 | 4.5% | 11 | 2 | 114.87 |
| 105 | 4.5% | 11 | 3 | 120.14 |
| 105 | 4.5% | 12 | 1 | 109.82 |
| 105 | 4.5% | 12 | 2 | 114.87 |
| 105 | 4.5% | 12 | 3 | 120.15 |
| 105 | 5% | 10 | 1 | 110.37 |
| 105 | 5% | 10 | 2 | 116.01 |
| 105 | 5% | 10 | 3 | 121.95 |
| 105 | 5% | 11 | 1 | 110.37 |
| 105 | 5% | 11 | 2 | 116.02 |
| 105 | 5% | 11 | 3 | 121.95 |
| 105 | 5% | 12 | 1 | 110.37 |
| 105 | 5% | 12 | 2 | 116.02 |
| 105 | 5% | 12 | 3 | 121.95 |
| 110 | 4% | 10 | 1 | 114.48 |
| 110 | 4% | 10 | 2 | 119.14 |
| 110 | 4% | 10 | 3 | 123.99 |
| 110 | 4% | 11 | 1 | 114.48 |
| 110 | 4% | 11 | 2 | 119.14 |
| 110 | 4% | 11 | 3 | 124.00 |
| 110 | 4% | 12 | 1 | 114.48 |
| 110 | 4% | 12 | 2 | 119.15 |
| 110 | 4% | 12 | 3 | 124.00 |
| 110 | 4.5% | 10 | 1 | 115.05 |
| 110 | 4.5% | 10 | 2 | 120.33 |
| 110 | 4.5% | 10 | 3 | 125.86 |
| 110 | 4.5% | 11 | 1 | 115.05 |
| 110 | 4.5% | 11 | 2 | 120.34 |
| 110 | 4.5% | 11 | 3 | 125.86 |
| 110 | 4.5% | 12 | 1 | 115.05 |
| 110 | 4.5% | 12 | 2 | 120.34 |
| 110 | 4.5% | 12 | 3 | 125.87 |
| 110 | 5% | 10 | 1 | 115.63 |
| 110 | 5% | 10 | 2 | 121.54 |
| 110 | 5% | 10 | 3 | 127.75 |
| 110 | 5% | 11 | 1 | 115.63 |
| 110 | 5% | 11 | 2 | 121.54 |
| 110 | 5% | 11 | 3 | 127.76 |
| 110 | 5% | 12 | 1 | 115.63 |
| 110 | 5% | 12 | 2 | 121.54 |
| 110 | 5% | 12 | 3 | 127.76 |