Calculadora de Valor Futuro
- Created by
- Renato Passos, Eng. de Software
- Reviewed by
- Renato Passos, Eng. de Software
Last updated: Apr 18, 2026
Formula
VF = VP · (1 + i)ⁿ
About this calculator
The Future Value Calculator determines how much a present value (PV) will grow over time given a compound interest rate. The formula is FV = PV * (1 + i)^n, where i is the interest rate per period and n is the number of periods. This tool is essential for financial planning, allowing you to project investment growth.
It works simply: enter the present value, the interest rate (in % per month or year), and the number of periods (months or years). The calculator applies compound interest, which means interest on interest, resulting in exponential growth. Ensure the time units for rate and periods match.
Use this calculator to simulate investments like CDs, savings accounts, or any compound interest application. For example, when planning for retirement, you can see how R$10,000 will grow in 20 years at 0.5% per month. It's also useful for comparing different investment scenarios.
Caution: ensure the interest rate matches the period's time base. If the rate is annual and periods are monthly, convert the rate to monthly. Remember, the formula does not account for inflation or taxes, providing a gross projection.
Frequently asked questions
What is the difference between present value and future value?
Present value is the money today. Future value is the amount after applying compound interest over time.
Can I use this calculator for simple interest?
No, it only calculates compound interest. For simple interest, use another tool.
What if I want to calculate present value from future value?
Just isolate PV: PV = FV / (1 + i)^n. Our calculator does not do that automatically, but you can reverse the inputs.
Does the calculator consider monthly contributions?
No, it only calculates a single present value. For periodic contributions, use the future value of an annuity calculator.
Is the result net of taxes?
No, the result is gross. Taxes like income tax on investments reduce the final amount.