Investment Calculator
Project your investment growth over time with regular contributions and compound returns.
Investment Calculator
Calculate your investment growth instantly.
Future Value
0What This Investment Calculator Does
This tool projects how your investment will grow over time with regular monthly contributions and compound returns. It shows you the future value of your investment, the total amount you contributed, and the total growth (interest) earned over the investment period.
How to Use the Investment Calculator
Enter your initial investment amount. Enter how much you plan to contribute each month. Enter the expected annual return rate. Enter the number of years you plan to invest. The calculator instantly shows your future value, total contributions, and total growth.
Pro Tip: The earlier you start investing, the more time your money has to grow. Even small monthly contributions can grow into significant amounts over decades thanks to the power of compound returns.
FV = P × (1 + r)ⁿ + PMT × ((1 + r)ⁿ − 1) ÷ r
Where P = Initial Investment, r = Monthly Return Rate, n = Total Months, PMT = Monthly Contribution
Why Regular Investing Matters
Regular investing through dollar-cost averaging helps smooth out market volatility. By contributing a fixed amount each month, you buy more shares when prices are low and fewer when prices are high. This disciplined approach, combined with compound returns, can significantly grow your wealth over time.
Frequently Asked Questions
Historically, the stock market has returned about 7-10% per year on average after inflation. Bonds typically return 3-5%. Use conservative estimates (5-7%) for safer projections and aggressive estimates (8-10%) for optimistic scenarios.
Dollar-cost averaging means investing a fixed amount regularly, regardless of market conditions. When prices are low, you buy more shares; when prices are high, you buy fewer. This strategy reduces the risk of investing a large amount at the wrong time.
Yes, inflation reduces the purchasing power of your money over time. When planning long-term investments, consider using an inflation-adjusted return rate. If you expect 8% returns and 3% inflation, your real return is about 5%.
This calculator is a great starting point for retirement planning. It shows how your savings can grow over time. For more detailed retirement planning, use our dedicated Retirement Calculator which factors in withdrawal rates and retirement age.