Investment Calculator

Estimate investment growth with an initial investment, recurring monthly or annual contributions, rate of return, and daily, monthly, or annual compounding.

Updated

Projected value: $170,619.05

Total added contributions
$60,000.00
Investment gains
$100,619.05

Total added contributions are regular deposits; your starting amount is included in the final balance and invested capital below.

Portfolio growth

  • Invested capital
  • Investment gains
$0$42.7K$85.3K$128K$171K202620362046
Invested capital
$70,000.00
Investment gains
$100,619.05
Portfolio value
$170,619.05
Annual investment breakdown
YearInvested capitalInvestment gainsPortfolio value
2,026$10,000.00$0.00$10,000.00
2,027$13,000.00$821.05$13,821.05
2,028$16,000.00$1,918.32$17,918.32
2,029$19,000.00$3,311.78$22,311.78
2,030$22,000.00$5,022.85$27,022.85
2,031$25,000.00$7,074.48$32,074.48
2,032$28,000.00$9,491.29$37,491.29
2,033$31,000.00$12,299.69$43,299.69
2,034$34,000.00$15,527.97$49,527.97
2,035$37,000.00$19,206.50$56,206.50
2,036$40,000.00$23,367.82$63,367.82
2,037$43,000.00$28,046.83$71,046.83
2,038$46,000.00$33,280.95$79,280.95
2,039$49,000.00$39,110.33$88,110.33
2,040$52,000.00$45,577.98$97,577.98
2,041$55,000.00$52,730.04$107,730.04
2,042$58,000.00$60,616.00$118,616.00
2,043$61,000.00$69,288.91$130,288.91
2,044$64,000.00$78,805.65$142,805.65
2,045$67,000.00$89,227.23$156,227.23
2,046$70,000.00$100,619.05$170,619.05

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How this investment calculator works

Enter your initial investment, years of investment growth, estimated annual rate of return, compound frequency, and recurring investments. Compare daily, monthly, and annual compounding with monthly or annual contributions.

The initial investment grows using P × (1 + r/n)^(n × t). For recurring investments, the rate per contribution period is i = (1 + r/n)^(n/m) − 1. Contributions made at the end of each period grow to C × ((1 + i)^(m × t) − 1) / i. Here r is the annual return as a decimal, n is compounds per year, m is contributions per year, and t is years.

At a 0% return, recurring investments simply add up to C × m × t. Daily compounding uses 365 periods per year. Values are rounded to cents for display.

Understanding your investment growth

Final balance includes your initial investment, recurring contributions, and interest earned. Total contributions shows recurring investments only. The annual table shows principal (initial investment plus recurring contributions), accumulated interest, and balance, starting in the current calendar year.

An estimate for planning

This investment return calculator assumes a constant return and regular deposits. Actual returns fluctuate and can be negative. Taxes, fees, inflation, and changes to contributions are excluded. The projection is not a guaranteed return or investment advice.

Frequently asked questions

Does total contributions include my initial investment?

No. It counts recurring investments only. Your initial investment is included in both principal and final balance.

When are recurring investments added?

At the end of each selected monthly or annual contribution period. Each deposit earns returns for the remaining periods.

How does compound frequency affect the result?

For the same positive nominal annual return, more frequent compounding increases the effective annual return. The calculator converts that growth to the selected contribution frequency.

Can I calculate growth without recurring investments?

Yes. Set the recurring investment amount to $0 to project growth on your initial investment alone.

What's changed
  • Launched.

References