Investment Calculator
Project how an investment portfolio could grow over time. Set your starting balance, expected annual return, monthly contribution and time horizon to see the future value and total gains.
| Year | Invested | Portfolio value |
|---|---|---|
| 5 | $23,000 | $29,492 |
| 10 | $41,000 | $65,982 |
| 15 | $59,000 | $120,346 |
| 20 | $77,000 | $201,340 |
| 25 | $95,000 | $322,009 |
Projection assumes a constant return compounded monthly. Actual returns vary and are not guaranteed.
How it works
Growth compounds monthly at the expected annual return ÷ 12. Each month the balance grows by that rate and your contribution is added: FV = P(1+r)^n + PMT × (((1+r)^n − 1) / r). Returns are hypothetical and not guaranteed.
Frequently asked questions
What annual return should I assume?
Historically, broad stock market index funds returned roughly 7–10% per year before inflation, but future returns are never guaranteed.
Does this account for inflation or taxes?
No. Results are nominal. For a real (inflation-adjusted) estimate, subtract expected inflation from the return rate.