How the Investment Calculator works
Estimate future investment value. Adjust the inputs above, then use the calculate button to generate a fresh estimate based on the numbers you entered.
The result is designed to give you a quick planning number, plus a short breakdown of the major figures behind it. You can reset the form at any time and try a different scenario.
When to use this calculator
Use this investment calculator to estimate how an initial investment and regular monthly contributions may grow over time. It is useful for long-term goals where compounding and consistent contributions both matter.
Formula
Future value = initial investment compounded over time plus compounded monthly contributions
- Initial investment is the starting amount.
- Monthly investment is the recurring contribution.
- Expected return is the assumed annual growth rate.
- Years is the investment time horizon.
Worked example
For a $15,000 initial investment, $750 added monthly, a 7% expected return and 15 years, the calculator estimates future investment value.
Common mistakes
- Assuming the same return happens every year.
- Ignoring investment fees, taxes and inflation.
- Stopping contributions during downturns without reviewing the plan.
FAQs
Is expected return guaranteed?
No. Investment returns fluctuate and may be negative in some periods.
Why do monthly contributions matter?
Regular contributions add new money and give earlier deposits more time to compound.
Does this include taxes?
No. Tax treatment depends on account type and personal situation.