Investment Calculator
Project future investment growth with compound interest
See how a lump-sum investment might grow with compound interest over time. Enter your starting amount, an expected annual return, and the number of years to project a future value.
Future Value
$343,778
Total Contributed
$130,000
Total Earnings
$213,778
From compound growth
How to Use This Calculator
- Enter your initial investment amount.
- Enter the annual return rate you expect.
- Enter the number of years you'd stay invested.
- Review the projected future value and total gain.
Why Use This Calculator?
- Visualizing the long-term effect of compound growth.
- Comparing different return assumptions or time horizons.
- Setting a rough target before deciding how to invest.
Real-World Examples
$10,000 upfront, $500/month, 7% return, 20 years
With monthly compounding, the balance could grow to roughly $301,000 — combining your initial investment, your ongoing contributions, and the growth on both.
Monthly compounding
The calculator compounds growth each month and folds in your monthly contribution on top of the initial investment. Each month the balance grows by the monthly rate, then your contribution is added — so over long periods, compounding does most of the work.
Frequently Asked Questions
Is the return guaranteed?
No. Real-world returns vary from year to year and can be negative. The calculator uses a single steady rate so you can see a simple projection.
Does it include taxes or fees?
No. Taxes on gains and fund or advisor fees would reduce the real outcome.
What rate should I enter?
That's your assumption. Historical stock-market averages are often used for illustration, but past performance doesn't guarantee future results.
Important Disclaimer
Projections are hypothetical, assume a steady return, and ignore taxes, fees, inflation, and year-to-year volatility. They are not investment advice or a promise of future results. Investing involves risk, including loss of principal.
Privacy
Your entries stay in your browser and aren't stored or transmitted.
Related Calculators
Compound Interest Calculator
Calculate compound interest with flexible compounding frequency
Savings Calculator
Plan your savings goals and timeline
Retirement Calculator
Project your retirement savings and monthly income
Inflation Calculator
See how inflation changes value over time
Mortgage Calculator
Calculate monthly mortgage payments and total interest