Future Value Calculator

Future value applies one growth rate repeatedly: $25,000 at 7% for 20 years is 25,000 × 1.07²⁰ ≈ $96,700 — nearly a 4× multiple from a modest rate, because the growth itself grows. The rule of 72 approximates doubling time: 72 ÷ 7 ≈ 10 years.

That $96,700 is in future dollars. At 3% inflation it buys what about $53,500 buys today. For plans measured in decades, run the calculation with a real rate (growth minus inflation) to think in today's terms.