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Investment Calculator

Forecast investment growth, contributions, target progress, and required monthly savings.

Inputs

Results update as you edit.

$
$
%
years
$

Projected value

$321,044.41

Results update as the calculator inputs change.

Investment gain

$186,044.41

Total contributions

$120,000.00

Progress to target

64.21%

Monthly needed for target

$843.53

Breakdown

Result components shown side by side.

Starting amount$15,000.00
Contributions$120,000.00
Growth$186,044.41

How to Estimate Investment Growth

Starting Amount
Your initial balance begins compounding from the first period.
Monthly Contributions
Regular contributions add new principal throughout the investment period.
Expected Return
The return assumption drives projected growth but is not guaranteed.

How to Use an Investment Projection

Investment calculators are best for scenario planning. They show how starting balance, contributions, expected return, and time horizon interact to create a projected future value.

What Factors Affect Investment Growth?

Initial Balance

A larger starting balance gives compounding more to work with.

Contribution Rate

Recurring contributions build the base even when returns are uneven.

Expected Return

Higher assumed returns increase projections and also imply more uncertainty.

Time Horizon

Time can amplify compounding and smooth short-term volatility.

Inflation

Inflation reduces future purchasing power even when nominal balances rise.

Risk Tolerance

A realistic return assumption should match the risk level of the portfolio.

Ways to Plan with Investment Scenarios

Target Progress

Compare the projected ending value with a goal amount.

Required Savings

Estimate the monthly contribution needed to reach a target.

Scenario Range

Run conservative, base, and optimistic return assumptions.

Frequently Asked Questions

Is the expected return guaranteed?

No. It is an assumption for planning. Actual investment returns can be higher or lower and may be negative in some periods.

Should I include inflation?

For long-term goals, yes. Inflation affects what the ending balance can buy.

Why do monthly contributions matter so much?

They add principal repeatedly, which can compound over time and reduce reliance on the starting amount.

Can this estimate retirement savings?

Yes for accumulation, but a retirement-specific plan should also model withdrawals, taxes, and income needs.

How often should I update the projection?

Update it when income, contributions, target date, risk level, or market assumptions change.