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Investment Calculator

Project the future value of an investment with an initial amount and regular monthly contributions. It shows how much comes from your deposits and how much from growth.

How it works Report a problem

Investment Calculator

See how compound interest can grow your wealth over time

$0
Total Portfolio Value
Future value after compounding
Total Contributions
$0
Total Interest
$0
Daily Growth
$0
Growth Breakdown Over Time

An investment plan is three levers: how much you start with, how much you keep adding, and the return those amounts earn. This calculator combines all three and separates the final value into what you put in and what growth added, so you can judge which lever to push.

How to use this calculator

  • Enter your starting investment.
  • Add your monthly (or yearly) contribution.
  • Enter the expected yearly return and the years you will stay invested.
  • Press calculate to see the final value, total contributions and total earnings.

The return assumption decides everything

Small changes in the assumed return swing long-term results a lot, which is why honest planning uses a range, not a hope. Run your plan at a cautious return as well as an expected one; a plan that still works on the cautious line is a plan you can trust.

Frequently asked questions

What return should I enter for stocks?
Long-run stock market averages are often quoted around 7 to 10% a year before inflation, but they arrive unevenly and are never guaranteed. Use a figure below the headline average for planning.
Does this account for fees and taxes?
Only if you build them into the return. A practical approach is to lower the assumed return by roughly the yearly fee percentage.
How much should I invest each month?
An amount that survives bad months without being withdrawn. Consistency over years matters more than the size of any single contribution.