Investment Calculator
Free investment calculator. Project the future value of your investment from a starting amount, monthly contributions and an expected annual return, with total contributions and earnings.
Investment Details
Future Value
$225,974
Projection Summary
Yearly Growth
| Year | Contributed | Earnings | Balance |
|---|---|---|---|
| 1 | $13,600 | $965 | $14,565 |
| 2 | $17,200 | $2,309 | $19,509 |
| 3 | $20,800 | $4,063 | $24,863 |
| 4 | $24,400 | $6,262 | $30,662 |
| 5 | $28,000 | $8,942 | $36,942 |
| 6 | $31,600 | $12,143 | $43,743 |
| 7 | $35,200 | $15,908 | $51,108 |
| 8 | $38,800 | $20,285 | $59,085 |
| 9 | $42,400 | $25,324 | $67,724 |
| 10 | $46,000 | $31,080 | $77,080 |
| 11 | $49,600 | $37,613 | $87,213 |
| 12 | $53,200 | $44,986 | $98,186 |
| 13 | $56,800 | $53,271 | $110,071 |
| 14 | $60,400 | $62,542 | $122,942 |
| 15 | $64,000 | $72,881 | $136,881 |
| 16 | $67,600 | $84,377 | $151,977 |
| 17 | $71,200 | $97,126 | $168,326 |
| 18 | $74,800 | $111,232 | $186,032 |
| 19 | $78,400 | $126,807 | $205,207 |
| 20 | $82,000 | $143,974 | $225,974 |
How It Works
Enter your starting amount
Type the amount you are investing today and how much you plan to add each month.
Set return and time horizon
Enter your expected annual rate of return and the number of years you plan to stay invested.
Review the projection
See your projected future value, the total you contributed and how much of the balance came from investment earnings.
Investing regularly over a long horizon is one of the most reliable ways to build wealth, thanks to compounding: your returns generate further returns, and consistent contributions add fuel to that growth. Even a modest monthly amount, left to compound for decades, can grow into a far larger sum than the contributions alone.
This calculator projects the future value of an investment by simulating monthly growth and contributions, so you can see how your starting amount, deposit habit, return rate and time horizon interact. Use it to set goals, compare scenarios, and understand how much of your eventual balance comes from your own savings versus market returns.
Frequently Asked Questions
How does this investment calculator work?
It simulates your portfolio month by month. Each month the balance grows by the monthly return (your annual return ÷ 12), then your monthly contribution is added. Repeating this for the full time horizon gives a realistic future value that accounts for regular investing and compounding.
What expected return should I use?
There is no guaranteed figure, but a diversified stock portfolio has historically averaged roughly 6–10% per year before inflation over long periods. Conservative or bond-heavy portfolios return less. Use a rate you believe is realistic for your mix, and try a lower number to stress-test your plan.
How are total contributions and earnings calculated?
Total contributions equal your starting amount plus every monthly contribution you make (monthly amount × number of months). Earnings are the future value minus those total contributions — the portion of your balance generated purely by investment returns.
Does this account for inflation or taxes?
No. The projection shows nominal growth before inflation, taxes and fees. To estimate buying power in today's dollars, use a return rate reduced by your expected inflation rate, and remember that taxes and fund fees will reduce real-world results.
Related Calculators
Build with our Investment Calculator API
Integrate our high-speed conversion engine directly into your own applications. Get free api keys for investment projection api and more.