417
FVIF factor lookup
Enter a rate and a number of periods — the exact future value interest factor (1 + r)n, plus what $1 grows to.
REFERENCE · MATH · MONEY
Future Value Factor Table
The future value interest factor (FVIF) turns any present value into a future value: FV = PV × FVIF, where FVIF = (1 + r)n. $1,000 at 7% for 10 years uses the factor 1.967151 — $1,967.15 at the end. Read any factor straight off the table below, or use the two live lookups for exact answers.
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Future value from present value
Enter a present value, a rate, and periods — the factor and the future value, solved together.
The 60-second rule
FVIF = (1 + r)n — the future value of $1 after n periods at rate r per period. Future value = present value × FVIF. At the defaults: (1.07)10 = 1.967151, so $1,000 becomes $1,967.15. Find the rate column, drop down to the period row, multiply — that's the whole table.
The complete FVIF table
Factors computed exactly as (1 + r)n and rounded to 6 decimal places (October 23, 2026). Print-friendly — use your browser's print function. Highlight: at 10% for 20 years the factor is 6.727500 — money multiplied nearly seven-fold.
| n | 1% | 2% | 3% | 4% | 5% | 6% | 7% | 8% | 10% | 12% | 15% |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 1.010000 | 1.020000 | 1.030000 | 1.040000 | 1.050000 | 1.060000 | 1.070000 | 1.080000 | 1.100000 | 1.120000 | 1.150000 |
| 2 | 1.020100 | 1.040400 | 1.060900 | 1.081600 | 1.102500 | 1.123600 | 1.144900 | 1.166400 | 1.210000 | 1.254400 | 1.322500 |
| 3 | 1.030301 | 1.061208 | 1.092727 | 1.124864 | 1.157625 | 1.191016 | 1.225043 | 1.259712 | 1.331000 | 1.404928 | 1.520875 |
| 4 | 1.040604 | 1.082432 | 1.125509 | 1.169859 | 1.215506 | 1.262477 | 1.310796 | 1.360489 | 1.464100 | 1.573519 | 1.749006 |
| 5 | 1.051010 | 1.104081 | 1.159274 | 1.216653 | 1.276282 | 1.338226 | 1.402552 | 1.469328 | 1.610510 | 1.762342 | 2.011357 |
| 6 | 1.061520 | 1.126162 | 1.194052 | 1.265319 | 1.340096 | 1.418519 | 1.500730 | 1.586874 | 1.771561 | 1.973823 | 2.313061 |
| 7 | 1.072135 | 1.148686 | 1.229874 | 1.315932 | 1.407100 | 1.503630 | 1.605781 | 1.713824 | 1.948717 | 2.210681 | 2.660020 |
| 8 | 1.082857 | 1.171659 | 1.266770 | 1.368569 | 1.477455 | 1.593848 | 1.718186 | 1.850930 | 2.143589 | 2.475963 | 3.059023 |
| 9 | 1.093685 | 1.195093 | 1.304773 | 1.423312 | 1.551328 | 1.689479 | 1.838459 | 1.999005 | 2.357948 | 2.773079 | 3.517876 |
| 10 | 1.104622 | 1.218994 | 1.343916 | 1.480244 | 1.628895 | 1.790848 | 1.967151 | 2.158925 | 2.593742 | 3.105848 | 4.045558 |
| 11 | 1.115668 | 1.243374 | 1.384234 | 1.539454 | 1.710339 | 1.898299 | 2.104852 | 2.331639 | 2.853117 | 3.478550 | 4.652391 |
| 12 | 1.126825 | 1.268242 | 1.425761 | 1.601032 | 1.795856 | 2.012196 | 2.252192 | 2.518170 | 3.138428 | 3.895976 | 5.350250 |
| 13 | 1.138093 | 1.293607 | 1.468534 | 1.665074 | 1.885649 | 2.132928 | 2.409845 | 2.719624 | 3.452271 | 4.363493 | 6.152788 |
| 14 | 1.149474 | 1.319479 | 1.512590 | 1.731676 | 1.979932 | 2.260904 | 2.578534 | 2.937194 | 3.797498 | 4.887112 | 7.075706 |
| 15 | 1.160969 | 1.345868 | 1.557967 | 1.800944 | 2.078928 | 2.396558 | 2.759032 | 3.172169 | 4.177248 | 5.473566 | 8.137062 |
| 16 | 1.172579 | 1.372786 | 1.604706 | 1.872981 | 2.182875 | 2.540352 | 2.952164 | 3.425943 | 4.594973 | 6.130394 | 9.357621 |
| 17 | 1.184304 | 1.400241 | 1.652848 | 1.947900 | 2.292018 | 2.692773 | 3.158815 | 3.700018 | 5.054470 | 6.866041 | 10.761264 |
| 18 | 1.196147 | 1.428246 | 1.702433 | 2.025817 | 2.406619 | 2.854339 | 3.379932 | 3.996019 | 5.559917 | 7.689966 | 12.375454 |
| 19 | 1.208109 | 1.456811 | 1.753506 | 2.106849 | 2.526950 | 3.025600 | 3.616528 | 4.315701 | 6.115909 | 8.612762 | 14.231772 |
| 20 | 1.220190 | 1.485947 | 1.806111 | 2.191123 | 2.653298 | 3.207135 | 3.869684 | 4.660957 | 6.727500 | 9.646293 | 16.366537 |
| 21 | 1.232392 | 1.515666 | 1.860295 | 2.278768 | 2.785963 | 3.399564 | 4.140562 | 5.033834 | 7.400250 | 10.803848 | 18.821518 |
| 22 | 1.244716 | 1.545980 | 1.916103 | 2.369919 | 2.925261 | 3.603537 | 4.430402 | 5.436540 | 8.140275 | 12.100310 | 21.644746 |
| 23 | 1.257163 | 1.576899 | 1.973587 | 2.464716 | 3.071524 | 3.819750 | 4.740530 | 5.871464 | 8.954302 | 13.552347 | 24.891458 |
| 24 | 1.269735 | 1.608437 | 2.032794 | 2.563304 | 3.225100 | 4.048935 | 5.072367 | 6.341181 | 9.849733 | 15.178629 | 28.625176 |
| 25 | 1.282432 | 1.640606 | 2.093778 | 2.665836 | 3.386355 | 4.291871 | 5.427433 | 6.848475 | 10.834706 | 17.000064 | 32.918953 |
| 26 | 1.295256 | 1.673418 | 2.156591 | 2.772470 | 3.555673 | 4.549383 | 5.807353 | 7.396353 | 11.918177 | 19.040072 | 37.856796 |
| 27 | 1.308209 | 1.706886 | 2.221289 | 2.883369 | 3.733456 | 4.822346 | 6.213868 | 7.988061 | 13.109994 | 21.324881 | 43.535315 |
| 28 | 1.321291 | 1.741024 | 2.287928 | 2.998703 | 3.920129 | 5.111687 | 6.648838 | 8.627106 | 14.420994 | 23.883866 | 50.065612 |
| 29 | 1.334504 | 1.775845 | 2.356566 | 3.118651 | 4.116136 | 5.418388 | 7.114257 | 9.317275 | 15.863093 | 26.749930 | 57.575454 |
| 30 | 1.347849 | 1.811362 | 2.427262 | 3.243398 | 4.321942 | 5.743491 | 7.612255 | 10.062657 | 17.449402 | 29.959922 | 66.211772 |
Reading the table
Example: $5,000 at 6% for 15 years. The 6% column, row 15 reads 2.396558, so $5,000 × 2.396558 = $11,982.79. The lookup above solves the same thing to full precision.
Output · formula · meaning
| Output | Formula | What it means |
|---|---|---|
| FVIF factor | (1 + r)n | 1.967151 at 7% for 10 periods — what $1 becomes. |
| FV of $1 | same factor, dollarized | $1.967151 → $1.97 — the factor read as dollars and cents. |
| Future value | PV × FVIF | $1,967.15 at the defaults ($1,000 × 1.967151). |
| Growth multiple | FVIF − 1 | 0.967151 → 96.7% — the pure gain, excluding the original dollar. |
Who uses this
- The finance student: exam-day factor lookups for TVM problems — (1.07)10 = 1.967151 is the single most-used row.
- The quick estimator: $50,000 at 8% for 20 years? Row 20, 8% reads 4.660957 — $233,047.86 without touching a calculator.
- The textbook checker: verifying a printed table against computed factors — every value here is machine-computed to 6 decimals, not hand-typed.
- The researcher citing a factor: the cite block below formats the table for papers and problem sets.
Accuracy & limitations
This is pure computation: FVIF = (1 + r)n, evaluated exactly and rounded to 6 decimal places. There is no estimate anywhere in the table — the only error is the sub-penny rounding in the last decimal. The compounding frequency caveat: the table's “periods” are whatever the rate is quoted per — if the rate is annual and money compounds monthly, n is months and r is the monthly rate, not the table's annual rows. It prices a single lump sum only, not annuities (that's FVIFA), and it ignores taxes, inflation, and fees.
Cite this calculatorBright Side Kit. “Future Value Factor Table.” brightoolbox.com, 2026.
Bright Side Kit. "Future Value Factor Table." https://brightoolbox.com/future-value-factor-table/ Accessed October 23, 2026.Frequently asked questions
What is the difference between FVIF and FVIFA?
FVIF compounds a single lump sum: FVIF = (1 + r)n. FVIFA (the annuity factor) compounds a stream of equal payments: FVIFA = ((1 + r)n − 1) / r. This table is FVIF only — if you're adding money every year, you need the annuity factor instead.
When does a table beat a calculator?
On exams — finance courses still test time-value-of-money with factor tables, and this one matches the (1.07)10 = 1.967151 row every textbook uses. A table also wins for quick mental math and for checking printed tables against machine-computed values.
How do I use the table with monthly compounding?
Convert to monthly periods: n = years × 12 and r = annual rate ÷ 12. The table's rows are annual-rate factors — reading the 7% row for a monthly-compounding problem gives the wrong answer. The lookup above handles any rate and period directly.
Is the 1.967151 factor exact?
It's (1.07)10 rounded to 6 decimal places — exact to the sub-penny on any realistic dollar amount. $1,000 × 1.967151 = $1,967.15, matching the full-precision answer to the cent.
Can the factor ever be below 1?
Not with a positive rate — FVIF = (1 + r)n is always above 1 for r > 0. A factor below 1 would mean the money shrank, which is the present value factor (PVIF), a different table.
Why do some rates have round factors?
Convenient coincidences, not data errors: (1.02)10 = 1.218994, not a round number, but (1.10)2 = 1.21 exactly. Every value here is computed, not chosen.