Investment Calculator: The Complete Guide
Project how your investments could grow. Enter a starting amount, a monthly contribution, an expected annual return, and a time horizon to estimate your future portfolio value and the total returns earned.
Who the Investment Calculator is for
Long-term investors and savers modelling how regular contributions and compounding returns build wealth over time.
How to use the Investment Calculator
- Type your values into the fields above — pick your currency or units where the calculator offers them.
- Results update automatically as you type; there's no submit button and nothing is sent to a server.
- Adjust any input to compare scenarios, then copy the result with a single click.
How it works
The initial amount grows at the expected annual return, while monthly contributions are grown as an annuity. Future value combines both; total returns equal the future value minus everything you contributed.
Features
- Initial + monthly contributions
- Projected future value
- Total invested vs. returns
- Any currency
How investments compound
Investing combines two engines of growth: your ongoing contributions and the compounding returns on everything already invested. Over decades, returns typically outgrow contributions — which is why starting early matters so much. This is a projection at a constant rate; real markets vary year to year.