Investment Calculator
Project investment growth with regular contributions and compound returns.
How this is calculated
FV = P(1+r/n)^(nt) + PMT x [((1+r/n)^(nt)-1)/(r/n)]
Frequently Asked Questions About Investment Calculator
An investment calculator projects how your portfolio will grow over time based on your initial investment, regular contributions, and expected annual returns with compound growth.
How realistic is an 8% annual return?
Historical stock market returns average about 10% annually, though this varies significantly year to year. Conservative portfolios with bonds might expect 5-6%, balanced portfolios 6-8%, and growth portfolios 8-10%. Past performance doesn't guarantee future results, so use realistic rates for your risk profile.
How much should I contribute monthly?
The amount depends on your financial situation and goals. Many experts recommend investing 10-15% of your gross income. Starting with what you can afford and increasing contributions over time is effective. Even small regular contributions grow significantly over decades through compound returns.
Does this calculator account for taxes and fees?
No, this calculator shows gross returns before taxes and investment fees. In reality, you'll pay capital gains taxes and may have management fees or trading costs. Account for these by using a slightly lower return rate in your calculations.
What compounding frequency should I use?
Most investments compound monthly or quarterly. Monthly compounding is typical for brokerage accounts and mutual funds. The compounding frequency varies by investment type, so check your account statements or investment prospectus for accuracy.
How much will I have after 20 years?
That depends on your inputs. With $10,000 initial investment, $300/month contributions, and 8% annual returns, you'll have approximately $200,000+ after 20 years. Use this calculator with your specific numbers for a personalized projection.
Is it better to invest a lump sum or contribute regularly?
Consistent monthly contributions reduce the impact of market timing (buying high or low) and build discipline. However, if you have a lump sum available, investing it sooner captures more growth time. Many investors do both: invest available capital and contribute regularly.