Future Value Matrix Calculator

• Create a matrix of future values.
• Interest rate steps along the x-axis
• Term steps down the y-axis

Click to Try It Now!

The future value matrix is a tool used to calculate:

• the future value of a cash flow based on different rates-of-return and number of investments
• the periodic investment amount required to reach a specified future value assuming different interest rates and number of investments

The point of a matrix calculator is that it presents multiple results at one time. This can save you from doing a series of what-if calculations.

Some additional notes:

• Period method: When the periodic investment start relative to the deposit frequency. If the first investment is assumed to be made "today", then select "start-of-period," otherwise select "end-of-period."
• Compound frequency: If the compounding frequency is not specified or you don't know it, then select the same value as "deposit frequency."
• Step values: By how much to increase the x-axis and y-axis values from their initial values. For example, if you've set the "initial interest rate" to 5% and if you set the "rate step value" to 0.5% then the calculator will set the second value for the interest rate (x-axis) to 5.5%.