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Calculate future or present value from an amount, annual rate, years and compounding frequency.
Enter the amount invested today to calculate its future accumulated value
View how the principal grows at the current rate and compounding frequency
| Time | Ending balance (CNY) | Total interest (CNY) |
|---|---|---|
| Year 1 | 10,511.62 | 511.62 |
| Year 2 | 11,049.41 | 1,049.41 |
| Year 3 | 11,614.72 | 1,614.72 |
| Year 4 | 12,208.95 | 2,208.95 |
| Year 5 | 12,833.59 | 2,833.59 |
| Year 6 | 13,490.18 | 3,490.18 |
| Year 7 | 14,180.36 | 4,180.36 |
| Year 8 | 14,905.85 | 4,905.85 |
| Year 9 | 15,668.47 | 5,668.47 |
| Year 10 | 16,470.09 | 6,470.09 |
Overview
Understand what the tool solves, how it works, and the boundaries of its data.
This calculator answers one of two questions using the same fixed-rate compound-interest model: what a starting amount could become by a future date, or what starting amount would be needed to reach a target future value. Compound interest means each period's interest is added to the balance, so later interest is calculated on the enlarged balance as well as the original principal. The SEC's Investor.gov describes this as earning interest on interest. Read Investor.gov's explanation of compound interest.
Future value: FV = PV × (1 + r/m)m×t
Present value: PV = FV ÷ (1 + r/m)m×t
PV is the starting amount, FV is the future amount, r is the nominal annual rate as a decimal, m is the number of compounding periods per year, and t is the term in years. Enter the annual rate as a percentage: for example, type 5 for 5%. The chosen frequency divides that annual rate into a rate per period. Available frequencies are annual (1), semiannual (2), quarterly (4), monthly (12), and daily (365). The result also reports total interest, rate per period, effective annual rate, total periods, and a year-by-year balance schedule.
Amounts are displayed in CNY. The calculation does not identify a currency exchange rate or convert between currencies; use a consistent unit for the input and interpret the displayed amount as CNY.
Guide
Follow the workflow and verify inputs and outputs with practical examples.
Select future value to start with money available today. Select present value to enter a future target and solve for the single amount needed now.
Use a positive amount and a term greater than zero and no more than 100 years. Enter a nominal annual percentage, such as 5 for 5%; the accepted rate is greater than −100% and no more than 10,000%. Decimal years are accepted.
Choose annual, semiannual, quarterly, monthly, or daily compounding. Compare the main answer with the principal-to-future-value path and total interest. The effective annual rate combines the selected within-year periods into one annual growth rate. For a fractional-year term, the schedule includes the final partial-year result.
Use cases
See how the tool fits into real work and everyday tasks.
Suppose a one-time amount of CNY 10,000 is modeled at a 5% nominal annual rate for 10 years with monthly compounding. The formula is 10,000 × (1 + 0.05 ÷ 12)120, giving a future value of about CNY 16,470.09 and interest of about CNY 6,470.09. These figures can be reproduced by selecting future value and entering 10000, 5, 10, and Monthly. Change only the frequency to compare how the model responds while keeping the other assumptions constant.
A learner can hold the amount, rate, and term fixed, then compare the reported rate per period, effective annual rate, and future value across the five available schedules.
Someone estimating a one-time starting balance can select present value, enter the target future amount, and see the model's required principal under a chosen rate, term, and frequency.
Q&A
Find concise answers to common questions and confusing cases.
Enter the amount you want to have at the end of the term. The result estimates the single starting principal that would grow to that target under your selected rate and compounding frequency.
With more than one compounding period in a year, interest is added during the year and can itself earn interest in a later period. The effective annual rate combines those periods: (1 + r/m)m − 1. With annual compounding it matches the nominal rate.
No. The model starts with one amount and assumes no later additions or withdrawals. It does not calculate a recurring-contribution savings plan.
Notes
Review scope, result limitations, and important precautions before use.
This is a mathematical estimate for one lump sum at a constant rate, with interest reinvested at that same rate for the full term. It does not account for variable rates, deposits, withdrawals, taxes, fees, inflation, or a financial product's terms. A user-entered rate is an assumption, not a live quote or promised return. Results are not investment advice; check the relevant account or product terms and consider qualified advice before making a financial decision.
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