Future value amount | FUTURE_VALUE as of FUTURE_DATE |

Start date | PRESENT_DATE |

End date | FUTURE_DATE |

Dates span a period of | TOTAL_TIME |

Periodic deposit (withdrawal) | PERIODIC_DEPOSIT DEPOSIT_FREQUENCY, DEPOSIT_TYPE. |

Number of deposits (withdrawals) | DEPOSITS |

Total deposits (withdrawals) | TOTAL_AMOUNT_YOU_HAVE_PAID_IN |

Rate of return | RATE_OF_RETURN compounded COMPOUND_INTEREST_LOWER |

Present value of future amount | PRESENT_VALUE_AMOUNT as of PRESENT_DATE |

Present value of deposits | PRESENT_VALUE_DEPOSITS as of PRESENT_DATE |

Calculated present value | PRESENT_VALUE as of PRESENT_DATE |

- Start date
- Date to calculate the present value. We assume that this is also the date of the first periodic payment if deposits are made at the beginning of a period.
- End date
- Date your investment or account will be worth the entered future value.
- Future value
- The value of a lump sum that you wish to calculate the present value.
- Periodic deposit (withdrawal)
- The amount that you plan on adding to this savings or investment each period.
- Deposit frequency
- The frequency of your periodic deposits. Periods options include weekly, bi-weekly, monthly, quarterly and semi-annually and annually. You can choose to make deposits at the beginning or the end of each period.
- Rate of return
- The rate of return for this investment or savings account. The actual rate of return is largely dependent on the types of investments you select. The Standard & Poor's 500® (S&P 500®) for the 10 years ending Dec. 1st, 2015, had an annual compounded rate of return of 7.76%, including reinvestment of dividends. From January 1970 through to Dec. 2015, the average annual compounded rate of return for the S&P 500®, including reinvestment of dividends, was approximately 10.5% (source: www.standardandpoors.com). Since 1970, the highest 12-month return was 61% (June 1982 through June 1983). The lowest 12-month return was -43% (March 2008 to March 2009). Savings accounts at a financial institution may pay as little as 0.25% or less but carry significantly lower risk of loss of principal balances.
It is important to remember that these scenarios are hypothetical and that future rates of return can't be predicted with certainty and that investments that pay higher rates of return are generally subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, especially for long-term investments. This includes the potential loss of principal on your investment. It is not possible to invest directly in an index and the compounded rate of return noted above does not reflect sales charges and other fees that Separate Account investment funds and/or investment companies may charge.

- Compounding method
- This calculator allows you to choose the frequency that your investment's interest or income is added to your account. The more frequently this occurs, the sooner your accumulated earnings will generate additional earnings. For stock and mutual fund investments, you should usually choose 'Annual'. For savings accounts and CDs, all of the options are valid, although you will need to check with your financial institution to find out how often interest is being compounded on your particular investment.
- Deposits at beginning
- Check here to make all future periodic deposits or withdrawals at the beginning of each period. Uncheck this box for the end of the period.

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