Investment Calculator
Project how a starting amount and regular monthly investments could grow over time.
Runs in your browser — nothing is uploadedEnter values
Result
- Total invested
- $95,000.00
- Investment growth
- $94,553.72
How it's calculated
FV = P(1 + i)ⁿ + PMT × ((1 + i)ⁿ − 1) ÷ i
i = 8% ÷ 12 per month, n = 180 months, PMT = $500.00
Year-by-year growth
| Year | Total paid in | Interest earned | Balance |
|---|---|---|---|
| Year 1 | $11,000.00 | $639.96 | $11,639.96 |
| Year 2 | $17,000.00 | $1,831.03 | $18,831.03 |
| Year 3 | $23,000.00 | $3,618.96 | $26,618.96 |
| Year 4 | $29,000.00 | $6,053.29 | $35,053.29 |
| Year 5 | $35,000.00 | $9,187.66 | $44,187.66 |
| Year 6 | $41,000.00 | $13,080.17 | $54,080.17 |
| Year 7 | $47,000.00 | $17,793.76 | $64,793.76 |
| Year 8 | $53,000.00 | $23,396.58 | $76,396.58 |
| Year 9 | $59,000.00 | $29,962.42 | $88,962.42 |
| Year 10 | $65,000.00 | $37,571.22 | $102,571.22 |
| Year 11 | $71,000.00 | $46,309.54 | $117,309.54 |
| Year 12 | $77,000.00 | $56,271.14 | $133,271.14 |
| Year 13 | $83,000.00 | $67,557.54 | $150,557.54 |
| Year 14 | $89,000.00 | $80,278.71 | $169,278.71 |
| Year 15 | $95,000.00 | $94,553.72 | $189,553.72 |
About Investment Calculator
The Investment Calculator projects how a starting amount and regular monthly investments could grow over time at an expected yearly return. It shows the final value, how much you contributed and how much came from growth.
Add an inflation rate to see the result in today’s money, which gives a more realistic idea of what your future savings will buy.
When to use it
- Planning for retirement, a child’s education or a home deposit.
- Seeing the effect of increasing your monthly investment.
- Comparing different expected returns, such as savings vs. funds.
- Showing the long-term value of starting early.
Tips for better results
- Use conservative return estimates — long-term averages rarely repeat exactly.
- Always look at the inflation-adjusted value for long time periods.
- Small increases to monthly investments make a big difference over decades.
How to use the Investment Calculator
- Enter a starting amount and monthly investment.
- Set an expected yearly return and the number of years.
- Optionally add inflation to see the value in today's money.
Frequently asked questions
Is the return guaranteed?
No. The calculation assumes a constant yearly return. Real investments go up and down, and past performance doesn't guarantee future results.
When are monthly investments added?
At the end of each month, and returns compound monthly.
What return should I assume?
It depends on the investment. Bank deposits may return a few percent, while diversified stock funds have historically averaged higher but with large ups and downs. Use a range of rates to see best and worst cases.
Is this financial advice?
No. The calculator is for illustration only. For investment decisions, consider fees, taxes and risk, and speak to a qualified financial adviser.