Future Value Calculator
Project how an investment may grow over time using starting principal, recurring contributions, and compounding assumptions.
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| Year | Principal | Interest | Contributions | Balance |
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How Future Value Works
The future value of an investment estimates what your account may be worth after contributions and compounding over time. It combines your starting balance, additional deposits, interest rate, and compounding frequency into one projection.
What affects the total most?
Time and contribution consistency usually matter most. Even modest recurring deposits can materially change the ending balance when interest compounds year after year.
How to use this estimate
Use this calculator to compare savings paths, build retirement scenarios, or evaluate the impact of increasing periodic contributions. It is best used as a planning guide rather than a guaranteed outcome.
Calculator note
Use this tool as a planning estimate, not final advice.
Harbourline Advisory CPAs offers these calculators as educational tools for Canadian visitors. Results should be reviewed alongside your own facts, province, financing terms, and tax situation before acting on them.
These calculators are provided for general informational purposes only and should not be treated as tax, accounting, legal, or financial advice. For guidance specific to your situation, please contact a qualified professional.