Investment Calculator
Calculate the future value of your investments with compound interest and regular contributions. See detailed projections, earnings breakdown, and year-by-year growth.
Starting amount to invest
Amount to invest regularly
How often you contribute
How long to invest
Expected annual return
How often interest compounds
Important Financial Disclaimer
This calculator is for educational and illustrative purposes only. It is not intended to provide financial, investment, tax, or legal advice, nor should it be used as the sole basis for making investment decisions.
Past performance does not guarantee future results. Investment returns and principal value will fluctuate with market conditions. Actual investment returns may be higher or lower than the projections shown and will depend on various factors including market conditions, fees, taxes, and individual investment choices.
Hypothetical scenarios: The calculations provided are based on the inputs you provide and use standard financial formulas. They do not account for:
- Investment fees and expense ratios
- Taxes on capital gains, dividends, or withdrawals
- Market volatility and risk
- Economic factors affecting investment performance
- Early withdrawal penalties or restrictions
Professional advice recommended: Before making any investment decisions, consult with a qualified financial advisor, tax professional, or investment specialist who can evaluate your individual circumstances, risk tolerance, and financial goals.
By using this calculator, you acknowledge that the results are estimates only and should not be relied upon as guaranteed outcomes for investment planning.
Accurate Projections
Calculate investment growth with compound interest and regular contributions using proven financial formulas.
Detailed Breakdown
See monthly and yearly projections with contribution and earnings breakdown to understand your investment growth.
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All calculations happen in your browser. Your investment data never leaves your device.
How It Works
Compound Interest Formula
FV = PV(1 + r/n)^(nt) + PMT × [((1 + r/n)^(nt) - 1) / (r/n)]
Where:
- FV = Future value (total amount)
- PV = Present value (initial investment)
- r = Annual interest rate (as decimal)
- n = Number of times interest compounds per year
- t = Time in years
- PMT = Regular contribution amount
Example Calculation
If you invest $10,000 initially and contribute $500 monthly at 8% annual return for 20 years:
- Initial Investment: $10,000
- Regular Contributions: $500/month × 240 months = $120,000
- Total Contributions: $130,000
- Future Value: ~$297,000
- Total Earnings: ~$167,000
Compound Frequency Impact
The compound frequency determines how often your earnings are reinvested. More frequent compounding (daily vs annually) results in higher returns because interest earns interest more often. For example, daily compounding can yield 0.5-1% more than annual compounding over long periods.
Frequently Asked Questions
How does the investment calculator work?
The calculator uses the compound interest formula to project future investment value. It considers your initial investment, regular contributions, contribution frequency, annual return rate, and compound frequency to calculate how your money will grow over time.
What is compound frequency?
Compound frequency determines how often your investment earnings are reinvested. More frequent compounding (daily vs annually) results in higher returns because interest earns interest more often. Most investments compound monthly or daily.
How do I calculate investment returns?
Enter your initial investment amount, how much you plan to contribute regularly, how often you'll contribute, your expected annual return rate, the compounding frequency, and investment period in years. Click Calculate to see your projected future value, total contributions, and earnings.
What is a realistic annual return rate?
Historical stock market returns average 7-10% annually. Conservative investments might return 3-5%, while aggressive portfolios could target 10-12%. Use realistic rates based on your investment strategy and risk tolerance.
Should I choose monthly or annual contributions?
Monthly contributions are typically better because you invest sooner and benefit from more compounding. However, choose the frequency that matches how you actually plan to invest - aligning with your paycheck schedule often works best.
Is my financial data private?
Yes, absolutely! All calculations happen entirely in your browser. Your investment information is never sent to any server, ensuring complete privacy and security.