FV Google Sheet Formula

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FV Formula Syntax

=FV(0.05/12, 60, -200, 0)

Example Use Case

Calculating the future value of an investment with regular payments

Understanding the FV Formula

The FV function in Excel calculates the future value of an investment based on periodic, constant payments and a constant interest rate. It's a financial planning tool for investment growth—like determining how much a savings plan will be worth after a specific period.

FV(0.05/12, 60, -200, 0) calculates the future value of monthly $200 deposits earning 5% annual interest over 5 years. It takes rate, nper, pmt, pv, and optional type arguments, computing the end value of the investment—essential for retirement planning, education funds, or any savings goal.

Why Use FV?

FV projects investment growth—think savings goals or retirement planning. Its ability to model regular contributions with compound interest makes it valuable for long-term financial planning, helping you understand what your investments could be worth in the future.

Example with Sample Data

Parameters	Formula	Result
Rate: 5%/12 (monthly) Periods: 60 months Payment: -$200/month Present Value: $0 Type: 0 (end of period)	=FV(0.05/12, 60, -200, 0)	$13,680.48
Rate: 5%/12 (monthly) Periods: 60 months Payment: -$200/month Present Value: -$5,000 Type: 0 (end of period)	=FV(0.05/12, 60, -200, -5000)	$20,069.50
Rate: 8%/1 (annual) Periods: 10 years Payment: $0 Present Value: -$10,000 Type: 0 (end of period)	=FV(0.08, 10, 0, -10000)	$21,589.25

FV projects investment growth: $13,680.48 from 5 years of $200 monthly deposits at 5% interest. Adding an initial $5,000 investment increases the result to $20,069.50. It's a savings goal calculator.