Calculate Future Value of Your Present Time ...

As well as the amount of time that future value represents.

Current age:Current age:Current age:Current age:
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Current age:

Enter your current age.

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Retire age:Retirement age:Age you expect to retire at:Age you expect to retire at:
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Retire age:

Enter the age you plan or hope to retire at.

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RHWReal hourly wageReal hourly wageReal hourly wage:
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Real hourly wage:

Enter your after-tax, after work-related-expense hourly wage. Clicking the link will open the Real Hourly Wage Calculator in a new window.

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ROI:Expected ROI:Expected annual return on investments:Expected annual return on investments:
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Expected annual return on investments:

Enter the annual interest rate you expect to earn on your investments. Enter as a percentage but without the percent sign (for .06 or 6% enter 6).

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Calculate Your Time ValueCalculate Future Time ValueCalculate Future Value of Your TimeCalculate Future Value of Your Time
Time Until Retirement
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Time TotalTotalTotalTotal WorkWorkWorkWork
Years:Years:# of years:Number of years:
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Number of years:

This is the number of years remaining until you reach retirement age.

Days:Days:# of days:Number of days:
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Number of days:

The result in the left column is the estimated number of days remaining till you retire. The result in the right column is the number of work days.

Hours:Hours:# of hours:Number of hours:
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Number of hours:

The result in the left column is the estimated number of awake hours remaining till you retire based on 8-hours of sleep per day. The result in the right column is the number of work hours remaining.

Present and Future Values
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Lump Sum
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Lump sum column:

Various lump sum denominations.

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Present Value
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Present value column:

Each row in this column lists the present value of the lump sum described in the far left-hand column.

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Future Value
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Future value column:

Each row in this column lists the future value of the lump sum described in the far left-hand column. The future values are based on investing the present value of the lump sum for the number of years until retirement, earning the entered interest rate.

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Future Time
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Future time column:

Each row in this column lists the future time represented by the future value of the lump sum described in the far left-hand column. The future times are based on dividing the future value of the lump sum by the entered real hourly wage, the result of which represents the number of hours you could take off from work if you withdrew your savings and used it to pay your living expenses.

Dollar:Dollar:One dollar:One dollar:
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One dollar:

Present, future, and time value of one dollar of your money.

Hour:Hour:Work hour:Work hour:
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Work hour:

Present, future, and time value of the net wage from one hour of time spent at work.

Day:Day:Work day:Work day:
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Work day:

Present, future, and time value of the net wages from 8-hours spent at work.

Week:Week:Work week:Work week:
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Work week:

Present, future, and time value of the net wages for 40-hours of work.

Month:Month:Work month:Work month:
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Work month:

Present, future, and time value of the net wages for one month of work.

Year:Year:Work year:Work year:
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Work year:

Present, future, and time value of the net wages for the next year.

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