Investment Calculator
Project the future value of your investments.
| Year | Contributed | Balance |
|---|---|---|
| 1 | 13,600 | 14,565 |
| 2 | 17,200 | 19,509 |
| 3 | 20,800 | 24,863 |
| 4 | 24,400 | 30,662 |
| 5 | 28,000 | 36,942 |
| 6 | 31,600 | 43,743 |
| 7 | 35,200 | 51,108 |
| 8 | 38,800 | 59,085 |
| 9 | 42,400 | 67,724 |
| 10 | 46,000 | 77,080 |
| 11 | 49,600 | 87,213 |
| 12 | 53,200 | 98,186 |
| 13 | 56,800 | 110,071 |
| 14 | 60,400 | 122,942 |
| 15 | 64,000 | 136,881 |
| 16 | 67,600 | 151,977 |
| 17 | 71,200 | 168,326 |
| 18 | 74,800 | 186,032 |
| 19 | 78,400 | 205,207 |
| 20 | 82,000 | 225,974 |
Assumes a constant average annual return and a fixed monthly contribution — real markets fluctuate year to year. Estimates only, not financial advice.
How to use the Investment Calculator
- 1 Enter your initial investment and a recurring monthly contribution.
- 2 Set an expected annual return and how often it compounds.
- 3 Choose the number of years, and optionally an average inflation rate.
- 4 See the projected future value, total contributed, total growth, and a year-by-year table.
Examples
- ▸ 10,000 initial plus 300/month at 8% annual return, compounded monthly, for 20 years grows to roughly 226,000 — about 82,000 contributed and 144,000 from growth.
Frequently asked questions
How does this differ from the compound interest calculator?
The compound interest calculator focuses on the interest formula for a single lump sum. This tool is built around ongoing investing — it adds a recurring monthly contribution on top of an initial amount, and projects the combined growth year by year, which better matches how most people actually invest.
How does compounding frequency affect the result?
More frequent compounding (monthly vs annual, for example) turns your stated annual return into a slightly higher effective annual rate, since earlier-added interest itself starts earning sooner. The calculator applies your chosen frequency to compute that effective rate before projecting monthly.
What does the inflation adjustment show?
It divides your projected future value by (1 + inflation rate)^years to show what that future amount would be worth in today’s purchasing power — useful for judging whether a projected balance will actually go as far as it looks.
Is the projected return guaranteed?
No. Markets fluctuate, and this calculator assumes a constant average annual return for simplicity. Treat the result as a planning estimate, not a promise — try a few different return scenarios (conservative, moderate, optimistic) to see a realistic range.
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