Future Value Matrix Calculator

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

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The future value matrix is a tool used to calculate:

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

The purpose of a matrix calculator is to present multiple results at one time. This approach saves you from running many separate “what-if” calculations.

Some additional notes:

• Period method: Indicates when the periodic investment starts 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 do not know it, then select the same value as “deposit frequency.”
• Step values: Specifies how much to increase the x-axis and y-axis values from their initial values. For example, if you have set the “initial interest rate” to 5% and the “rate step value” to 0.5%, the calculator sets the second interest-rate value (x-axis) to 5.5%.