Investment Calculator

How to use the investment calculator

1. Enter your initial investment.
2. Enter how much you will add each month.
3. Enter the annual return you want to assume, and the years.
4. Read the projected value and the year-by-year growth.

How investment growth is projected

This investment calculator projects the future value of an investment from three inputs: your starting amount, your regular monthly contributions, and an assumed investment return. Because it compounds, it doubles as a compound investment projector. It compounds monthly, so both your lump sum and each contribution grow over time. The result splits what you invested from the growth on top, and the table traces the value year by year.

The power of contributions and time

Regular contributions matter as much as the starting amount, because each one compounds for the years that follow. Time is the other big lever: the same monthly investment left for longer ends up far larger, since the later years earn the most. That is why starting early, even with small amounts, tends to beat starting later with more.

Returns are not guaranteed

The biggest caveat is the return. A savings account has a set rate, but an investment does not. Markets rise and fall, some years are negative, and past returns do not predict future ones. The assumed return here is a steady average for illustration only. Real results will be bumpier, and you can lose money as well as make it.

An estimate, not financial advice

This is a projection based on a fixed assumed return, not a forecast of what any real investment will do. It ignores fees, taxes, and market swings. Use it to compare scenarios, not to plan on a certain outcome, and it is not financial advice.

FAQ

How do I find the future value of investment savings?

Enter your starting amount, monthly contribution, an assumed return, and the years. The tool compounds monthly and shows the projected future value of investment contributions plus growth.

How do I calculate investment growth?

Enter your starting amount, monthly contribution, an assumed annual return, and the years. The tool compounds monthly and shows the projected value and the total return.

What return should I assume?

There is no correct number, since returns are not guaranteed. Many people model a modest average and then test higher and lower figures to see the range. Be conservative.

Can I lose money?

Yes. Unlike a savings account, investments can fall in value, and some years are negative. This tool shows a smooth projection, but real returns vary and losses are possible.

Do contributions really matter that much?

Yes. Each monthly contribution compounds for the rest of the term, so steady investing over many years is often the biggest driver of the final value.

Is my information private?

Yes. Everything is calculated in your browser and nothing you enter is uploaded or saved.