Investment Calculator
The Investment Calculator projects the future value of a portfolio given a starting amount, regular monthly contributions, an expected annual return, and a time horizon.
Projected Future Value
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Total Contributed--
Total Growth--
How the future value is calculated
This calculator combines the compound growth of your initial investment with the future value of an annuity for your recurring contributions:
FV = P(1+r)n + PMT × [(1+r)n − 1] / r
Example: $5,000 invested today plus $200/month at a 7% average annual return for 20 years grows to roughly $124,379, of which $53,000 is your own contributions and about $71,379 is investment growth.
A note on returns
Markets fluctuate year to year; a fixed annual return is a simplification used for planning purposes, not a guarantee. For retirement-specific planning, see our Retirement Calculator, and check the impact of rising prices with the Inflation Calculator.