Future Value / Present Value Calculator

Standard financial math: present capital + recurring deposits + compound rate = future capital.

Valor futuro

$142.438,10

Total aportado

$53.000,00

Interés ganado

$89.438,10

Cómo se calcula

FV PV = PV × (1+r)^n con r = tasa anual / 12 y n = años × 12.

FV aportes = C × ((1+r)^n − 1) / r.

Cómo usarla

  1. Initial capital. What you have.
  2. Monthly contribution. Optional.
  3. Rate and years. Expected return and horizon.

Preguntas frecuentes

FV vs PV?

FV: future worth of today's amount. PV: today's investment needed for a target future amount.

Why do monthly contributions matter?

Compound interest on recurring deposits builds far more than a single deposit. Foundation of retirement and index funds.

Which rate?

Conservative 4–6%, equities historic 7–10%, Ecuador time deposits 6–9%.

Inflation?

Subtract expected inflation from rate. 10% nominal − 3% inflation = 7% real.

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