Estimate how your money could grow over time with compound returns and recurring contributions. This free investment calculator helps you project future value, total deposits, and total earnings.
Enter your investment details and click Calculate to see your projected investment growth.
This investment calculator estimates how much an investment may grow over time based on your starting balance, recurring monthly contributions, investment length, and expected annual return.
It also shows your projected total contributions, total investment earnings, and an inflation-adjusted future value so you can compare your ending balance in today’s dollars.
This calculator combines compound growth on your initial investment with the future value of recurring contributions.
Future Value of Initial Investment:
FV = PV × (1 + r / n)nt
Future Value of Recurring Contributions:
FV = PMT × [((1 + i)m - 1) / i]
Where:
Higher return estimates can make future balances look much larger. Using a conservative or moderate estimate can help you plan more carefully.
Regular monthly investing can have a major effect on long-term growth. Small contributions add up significantly over time with compounding.
A large future balance may still buy less than expected after inflation. That is why the inflation-adjusted value is useful for planning.
You can rerun the calculator whenever your contribution level, time horizon, or return expectations change.
That depends on the type of investments you are modeling. Many people use a long-term average estimate, but the right number depends on risk, diversification, and market conditions.
No. This version provides a general projection only. Taxes, advisory fees, and fund expenses can reduce actual investment results.
More frequent compounding generally increases ending value slightly because earnings are added back into the balance sooner.
Yes. This investment calculator works for many long-term savings goals, including retirement, education, major purchases, or general wealth building.