Calculadora de Aposentadoria
- Created by
- Renato Passos, Eng. de Software
- Reviewed by
- Renato Passos, Eng. de Software
Last updated: Apr 18, 2026
Formula
FV = PV·(1+r)^n + PMT·((1+r)^n−1)/r
About this calculator
This calculator projects the future value of your retirement savings, considering an initial lump sum and recurring monthly contributions. It uses the future value formula for a series of payments with compound interest, allowing you to simulate different investment scenarios. The calculation assumes a fixed monthly interest rate and a period in months, providing an estimate of the total amount accumulated at the end of the period.
To use the calculator, enter the initial contribution (PV), the monthly contribution (PMT), the annual interest rate (converted to monthly), and the number of years until retirement. The tool automatically calculates the future value (FV) total, assuming monthly contributions are made at the end of each month. This result helps you plan how much to save monthly to reach your desired goal.
This calculator is useful for those starting retirement planning or wanting to review their investment strategy. For example, a 25-year-old can simulate how much they will accumulate by age 65 with monthly contributions of $500 and a rate of 0.5% per month. It is also useful for comparing different scenarios, such as increasing the monthly contribution or seeking higher returns.
Important caveats: the calculator assumes a constant interest rate, which does not occur in practice. Inflation, taxes, and management fees are not considered. The result is a projection, not a guarantee. It is recommended to use realistic rates (adjusted for inflation) and review the plan periodically.
Frequently asked questions
What do PV, PMT, and FV mean in the calculator?
PV is the present value (initial lump sum). PMT is the monthly contribution amount. FV is the future value (total accumulated at the end).
How is the interest rate applied?
The annual interest rate is converted to monthly (divided by 12) and applied monthly to the balance, using compound interest.
Does the result consider inflation?
No. The calculator does not adjust for inflation. For a more realistic value, use a real interest rate (nominal minus expected inflation).
Can I use it for other goals, like buying a car?
Yes, the formula is generic for future value with contributions. Just adjust the period and amounts.
What if I stop making monthly contributions before the end?
The calculator assumes constant contributions throughout the period. To simulate interruptions, use the future value of the initial contribution only or do separate calculations.