====== FV(rate, num_per, payment) ======
Category:  Number (Financial) function

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=====Description=====
This function calculates the future value of an investment based on a constant interest rate.

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=====Additional syntax=====
Optional //current value// (cur_val) argument.
  fv(rate, num_per, payment, cur_val)
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Optional //payments due// (pay_due) argument.
  fv(rate, num_per, payment, cur_val, pay_due)

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=====Arguments=====
^Argument^Type^Description^
|rate|Number (decimal)|The interest rate of the loan (entered as a decimal).|
|num_per|Number|The number of payments of the loan (usually in months or years).|
|payment|Number (negative)|The payment made each period (that does not change), entered as a negative value.  Includes principal\\ and interest, but no fees or taxes.|
|curr_val|Number|Optional.  The current value of the annuity.|
|pay_due|Binary (0 or 1)|Optional.  This value defines when payments are due.  Options:  //0// (the beginning of the period; default),\\ or //1// (the end of the period).|

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**Return value type:**  Number

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=====Remarks=====
For an accurate calculation, be sure to convert //rate// and //num_per// to the same time period.  If calculating a monthly payment and //rate// is an annual rate, divide it by 12 (//rate// / 12).  If //num_per// is given as years, multiply by 12 (//num_per// * 12).

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=====Examples=====
** Calculate the future value:**  Interest rate is 10% (annual), number of periods is 36 (months), payment is $225 per month.
  fv( (0.10/12), 36, -225) //Returns $9400.91 (rounded)
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** Calculate the future value:**  Interest rate is 14% (annual), payment is $6000 per year, current value is $8,000.
  fv( 0.14, 10, -6000, 8000) //Returns $86,366.00 (rounded)
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** Calculate the future value:**  Interest rate is 1% (monthly), payment $600 per month, current value is $0, payments due at the end of the period.
  fv(0.01, 48, -600, 0, 1) //Returns $37100.90 (rounded)

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===== See also =====
  * [[syntax:functions:nper|NPer(rate, payment, curr_val)]]
  * [[syntax:functions:ipmt|IPmt(rate, per, num_per, curr_val)]]
  * [[syntax:functions:pmt|Pmt(rate, num_per, curr_val)]]
  * [[syntax:functions:ppmt|PPmt(rate, num_per, curr_val)]]
  * [[syntax:functions:pv|PV(rate, num_per, payment)]]
  * [[syntax:functions:rate|Rate(num_per, payment, curr_val)]]