📊 Investment Calculator
Forecast how your investment can grow over time with regular contributions and compounding returns.
Investment Details
Your Projection
Final Balance
$0
Total Contributions
–
Total Growth (Interest)
–
| Year | Contributions | Growth | Balance |
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How the Investment Calculator Works
This calculator projects the future value of an initial investment plus regular monthly contributions, compounding monthly at your expected annual return rate.
Formula
r = Annual Return / 12 / 100, n = Years × 12
FV = P × (1 + r)ⁿ + PMT × [((1 + r)ⁿ − 1) / r]
P = initial investment, PMT = monthly contribution
FV = P × (1 + r)ⁿ + PMT × [((1 + r)ⁿ − 1) / r]
P = initial investment, PMT = monthly contribution
Frequently Asked Questions
Does this account for taxes or fees?
No, this calculator projects gross growth only. Taxes, fund expense ratios, and advisory fees will reduce your actual net returns.
What return rate is realistic?
Historical long-term average returns for a diversified stock portfolio are often cited around 7-10% annually, though returns vary significantly year to year and are never guaranteed.
Why do small contribution increases matter so much?
Because contributions compound alongside your principal, even modest increases in monthly contributions can meaningfully grow your final balance over long time horizons.