Investment Calculator
Project how an investment grows over time. Combine a starting balance with regular monthly contributions and an expected annual return to estimate your future portfolio value.
Enter your values
Result
How to use the Investment Calculator
- 1Enter starting amount in the form on the left.
- 2Fill in the remaining fields — the result updates automatically as you type.
- 3Review the highlighted result and the supporting breakdown on the right.
- 4Use Copy, Share or Print to save or send your result.
What drives investment growth
Three inputs determine your final balance: how much you invest, how long it compounds and the rate of return. Of the three, time is the one you cannot buy back — starting early matters more than starting big.
Remember that returns compound on a nominal basis. To think in today's purchasing power, subtract expected inflation (often 2–3%) from your return assumption.
Frequently Asked Questions
▸What rate of return should I assume?
Long-run diversified stock portfolios have historically averaged 7–10% nominal annually. Conservative planners often model 6–7% to leave a margin of safety.
▸Does the calculator account for taxes?
No. Returns inside tax-advantaged accounts compound untaxed, while taxable accounts lose some growth to taxes each year.