Investment Calculator
Project the future value of an investment with an initial amount, monthly contributions and an expected return, and see it in today's money after inflation.
Results
Year-by-year growth
| Year | Total contributions | Growth | Balance | Inflation-adjusted value |
|---|---|---|---|---|
| 1 | 16,000.00 | 919.19 | 16,919.19 | 16,587.44 |
| 2 | 22,000.00 | 2,338.58 | 24,338.58 | 23,393.48 |
| 3 | 28,000.00 | 4,294.31 | 32,294.31 | 30,431.65 |
| 4 | 34,000.00 | 6,825.16 | 40,825.16 | 37,716.13 |
| 5 | 40,000.00 | 9,972.70 | 49,972.70 | 45,261.82 |
| 6 | 46,000.00 | 13,781.53 | 59,781.53 | 53,084.29 |
| 7 | 52,000.00 | 18,299.43 | 70,299.43 | 61,199.89 |
| 8 | 58,000.00 | 23,577.68 | 81,577.68 | 69,625.76 |
| 9 | 64,000.00 | 29,671.22 | 93,671.22 | 78,379.89 |
| 10 | 70,000.00 | 36,639.02 | 106,639.02 | 87,481.14 |
| 11 | 76,000.00 | 44,544.25 | 120,544.25 | 96,949.29 |
| 12 | 82,000.00 | 53,454.70 | 135,454.70 | 106,805.11 |
| 13 | 88,000.00 | 63,443.02 | 151,443.02 | 117,070.38 |
| 14 | 94,000.00 | 74,587.14 | 168,587.14 | 127,767.99 |
| 15 | 100,000.00 | 86,970.62 | 186,970.62 | 138,921.92 |
| 16 | 106,000.00 | 100,683.03 | 206,683.03 | 150,557.39 |
| 17 | 112,000.00 | 115,820.45 | 227,820.45 | 162,700.84 |
| 18 | 118,000.00 | 132,485.91 | 250,485.91 | 175,380.06 |
| 19 | 124,000.00 | 150,789.85 | 274,789.85 | 188,624.20 |
| 20 | 130,000.00 | 170,850.72 | 300,850.72 | 202,463.91 |
- Monthly compounding at the expected annual return ÷ 12. Inflation adjustment divides by (1 + inflation)^years. Returns are not guaranteed.
What is Investment Calculator?
Projects how an investment grows with a starting amount and a fixed monthly contribution at an expected annual return, then shows the result both in future money and adjusted for inflation. A yearly table shows contributions, growth and balance.
How to use Investment Calculator
- Enter the Initial amount and Monthly contribution.
- Enter the Expected annual return and the number of Years.
- Choose whether contributions are made at the start or end of each month and optionally an Inflation rate.
- Read the future value, total contributions, growth and inflation-adjusted value.
Example
10,000 initial, 500 per month, 7% for 20 years, no inflation
Future value 300,850.72; contributions 130,000.00
When to use Investment Calculator
Use it for retirement accounts, index-fund plans and SIPs to see the effect of time and contribution size. Market returns vary year to year, so the projection is an illustration, not a forecast.
How Investment Calculator works
Growth is compounded monthly at the expected annual return ÷ 12: FV = P(1 + r)^n + C × ((1 + r)^n − 1) ÷ r, multiplied by (1 + r) for start-of-month contributions. The inflation-adjusted value divides the future value by (1 + inflation)^years. Each table row is computed at the end of that year.
Common Use Cases
- Planning a monthly investing habit
- Seeing how much growth comes from returns vs deposits
- Showing the effect of inflation on long-term goals
- Comparing a 5% and a 7% expected return
FAQs
What return should I assume?
Use a conservative long-term figure for your asset mix. Historical stock market averages are higher than bond or savings returns but come with large swings.
Why show an inflation-adjusted value?
It expresses the future amount in today's purchasing power, which is easier to compare with current prices.
Are taxes and fees included?
No. Use a return net of fees, and remember that taxes on gains reduce the final amount.