Calculates the future value of an investment based on periodic, constant payments and a constant interest rate.
構文
FV(rate, nper, pmt, [pv], [type])引数
rate必須
The interest rate per period.
nper必須
The total number of payment periods in an annuity.
pmt必須
The payment made each period; it cannot change over the life of the annuity.
pv省略可能
The present value, or the lump-sum amount that a series of future payments is worth now.
type省略可能
The timing of the payment: 0 for the end of the period, 1 for the beginning.
The FV function helps determine the final value of an investment or loan after a specific number of periods. It assumes that interest rates and payment amounts remain constant throughout the duration of the investment. You can use this to plan for savings goals or calculate the maturity value of an annuity.
=FV(0.05/12, 10*12, -200, -500, 0)→31573.35Calculates the future value of a 10-year investment with a 5% annual interest rate, $200 monthly deposits, and a $500 starting balance.
Identify your variables
Determine the interest rate, total number of periods, and the periodic payment amount.
Enter the formula
Input the FV function into a cell, ensuring that outgoing payments are represented as negative numbers.
In Excel financial functions, cash outflows (like deposits) are typically entered as negative numbers, resulting in a positive future value representing the cash you receive back.