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Investment Calculator
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
$0
Growth Breakdown Over Time
About the Investment Calculator
Project the future value of an investment with an initial amount and regular monthly contributions. It shows how much comes from your deposits and how much from growth.
How to use the Investment Calculator
- Enter your Initial Investment ($) and Monthly Contribution ($).
- Enter the Expected Return (%) per year and the Investment Term (Years).
- Press Calculate Growth to see the projected balance, total contributions and earnings.
Formula and method
Future value = initial amount grown at the periodic rate plus the future value of the monthly contributions: FV = P(1 + i)ⁿ + PMT × ((1 + i)ⁿ − 1) ÷ i, with i the monthly return and n the number of months.
Worked example
$5,000 plus $200 a month at 7% a year for 20 years grows to roughly $124,000. You contribute about $53,000; the rest is investment growth.
When to use the Investment Calculator
- Projecting the future value of a lump sum plus regular contributions.
- Testing how different growth rates change your end result.
- Comparing a long, steady investing plan with a shorter, larger one.
Common mistakes to avoid
- Treating projected returns as promises.
- Ignoring fees, even small ones. A 1% yearly fee can take a large share of your gains over decades.
- Putting all your money into a single asset.
Tips
- Use a conservative return. Long-term stock market averages have been near 6 to 8 percent before inflation, but no year is guaranteed.
- Fees matter. A 1 percent annual fee can take a large share of growth over decades.
- Diversify instead of relying on one investment.
Frequently Asked Questions
No. Actual returns change every year and can be negative. The calculator shows what could happen at a steady assumed return.
Try several rates, such as 4, 6 and 8 percent, to see a range of outcomes.
Long-term stock market returns have been higher than bonds or savings but they vary greatly. Try conservative, average and optimistic rates to see a range.
No. It is an educational estimate. For personal advice, speak to a qualified adviser.