Investment Calculator

Project the future value of your investments.

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Features

Compound Interest Power

See how small, regular contributions grow exponentially over time thanks to compounding.

Visual Growth Breakdown

Understand exactly how much of your total value comes from your own contributions versus interest earned.

Flexible Time Horizons

Model short-term savings goals or long-term retirement strategies with adjustable time periods.

Contribution Planning

Experiment with different monthly contribution amounts to find a savings plan that fits your budget.

About Investment Calculator

Visualize the power of compound interest with our Investment Calculator. Whether you are saving for retirement, a down payment, or just building wealth, this tool helps you verify how your money can grow over time. By inputting your initial principal, regular contributions, and expected rate of return, you can see a clear projection of your financial future. Formula Used: The calculator uses the compound interest formula with regular contributions: Future Value = P × (1 + r/n)^(nt) + PMT × [((1 + r/n)^(nt) - 1) / (r/n)] Where: P = Initial principal r = Annual interest rate (decimal) n = Number of times interest applied per time period t = Number of time periods elapsed PMT = Monthly contribution amount

How to Use Investment Calculator

  • 1
    Enter Starting Amount

    Input the initial lump sum you have ready to invest.

  • 2
    Set Monthly Contribution

    Decide how much money you can consistently add to your investment each month.

  • 3
    Estimate Return Rate

    Enter a realistic annual interest rate or rate of return (e.g., 7% for stock market average).

  • 4
    Choose Duration

    Set the number of years you plan to let your investment grow.

  • 5
    Select Compounding

    Choose how often the interest is compounded (Monthly, Quarterly, Annually) to match your investment type.

  • 6
    Analyze Results

    Review the total future value and the breakdown between your principal and the interest earned.

Frequently Asked Questions

Historically, the stock market (S&P 500) has returned about 10% annually before inflation, or 7% after inflation. High-yield savings accounts might offer 4-5%, while bonds often yield lower. It is best to be conservative in your estimates.
No, this calculator shows the 'nominal' future value. To account for inflation (purchasing power), you can subtract the expected inflation rate from your annual return rate (e.g., use 7% instead of 10%).
This calculator assumes monthly contributions are added at the end of each month, which is the standard method for most financial projections.