Investment Calculator
Free investment calculator to project growth with monthly contributions, any return rate, and inflation adjustment. See future value, total gains, and a year-by-year breakdown.
Example Scenarios
Index Fund Plan
$10k + $500/mo • 7% • 25 yr
$500 Monthly
$500/mo • 7% • 30 yr
Path to $1M
$1k/mo • target $1M
Rising Contributions
$300/mo + 3%/yr raises
Investment Details View Results
Investment Projection
Return Sensitivity
Contributions vs Growth
Year-by-Year Breakdown
| Year | Contributions | Growth | End (headline) | End (other) |
|---|
How This Is Calculated
The projection compounds your starting amount and monthly contributions month by month at your expected return, with optional annual raises on the deposit. Inflation adjustment divides nominal balances by (1 + inflation)years to show today's purchasing power.
Everything behind the Investment Calculator
Formulas, reference charts, and detailed answers — expand any section you need.
Investment Return Calculator: What Rate Should You Use?
An investment return calculator is only as honest as its rate assumption. Broad US stock index funds have historically averaged around 10% annually before inflation over long periods, about 7% after, with individual decades ranging far from either number. The sensitivity row runs your plan at the entered rate plus and minus two points.
| Monthly Contribution | 30 Years at 5% | 30 Years at 7% | 30 Years at 9% |
|---|---|---|---|
| $250 | $208,000 | $306,000 | $442,000 |
| $500 | $416,000 | $612,000 | $884,000 |
| $1,000 | $832,000 | $1,224,000 | $1,768,000 |
Investment Calculator: Project Your Portfolio's Growth
This investment calculator projects what a starting amount plus monthly contributions grows into at any expected return, over any timeline. Enter your numbers and the investment calculator shows the future value in both nominal dollars and today's purchasing power, splits the result into what you contributed versus what compounding produced, and runs the projection at three return rates so the range is visible, not just the hope.
Example: $10,000 starting plus $500 monthly at 7% for 25 years grows to about $437,000, roughly $209,000 in today's purchasing power at 3% inflation.
Investment Growth Calculator: Contributions vs Compounding
An investment growth calculator earns its value by separating the layers: your deposits, and the growth those deposits generated. Early in the timeline contributions dominate; somewhere in the middle years growth overtakes them and never looks back. On a $500 monthly plan at 7%, contributions total $180,000 over 30 years while growth adds about $432,000 on top, and the chart shows the exact crossover year for your inputs.
Investment Calculator With Monthly Contributions
The investment calculator with monthly contributions models how investing actually happens: recurring deposits, ideally rising with income. The annual increase field compounds your contribution itself, a $500 monthly deposit growing 3% per year averages $650 across a 20-year plan, and that alone can add six figures to a long projection. Each deposit compounds from its own start date, which is why consistency beats timing on long horizons.
Investment Calculator Adjusted for Inflation
An investment calculator adjusted for inflation reports what the money will buy, not just what the statement will say. At 3% inflation, $1 million in 30 years purchases what about $412,000 does today, and every long projection quietly halves or worse in real terms. This calculator leads with the inflation-adjusted figure and shows the nominal one beside it, so the plan is built on purchasing power.
How Long to Reach $100k, $500k or $1 Million Investing?
The reverse solver answers the milestone question directly: enter the target and your monthly contribution, and the investment calculator returns the years required at your expected return, or flips it to solve the contribution needed by a chosen date. At $500 monthly and 7%, $100k arrives in about 11 years, $500k in about 28, and the first $100k takes longer than any that follow, which is compounding's whole argument for starting now.