Calculator
Investment Calculator
This tool projects a future value using a constant expected annual return, compounded monthly. Markets do not grow in a straight line. Treat the result as an illustration, not a guarantee of performance.
Investment details
An assumption, not a guaranteed rate
Results
Estimated final value
Illustration only. Not a guarantee.
$155,274.39
Total contributions
$82,000.00
Estimated growth
$73,274.39
These calculators and articles are for informational purposes only and should not be considered financial, investment, tax, legal, or professional advice.
How this calculation works
The calculator compounds your assumed annual return monthly and adds each contribution at the end of the month. Estimated growth is the ending value minus all money you put in.
Markets do not deliver a smooth return. Fees, taxes, and cash sitting idle all reduce a real-world result. Use a lower assumed return if you want a more conservative picture.
FV = P(1 + r)^n + PMT × [((1 + r)^n − 1) / r]
r is the assumed monthly rate (annual return ÷ 12) and n is the number of months. Growth is an estimate, not a guarantee.
Example
$10,000 invested plus $400 a month for 15 years at an assumed 7% annual return produces an estimated future value of about $155,000. Contributions would be $82,000, so estimated growth is the difference. A 5% assumption would finish meaningfully lower.
Frequently asked questions
Is the expected return a prediction?
No. It is an assumption you choose. Actual market returns vary by year and can be negative. The result is an estimate for illustration only.
Does this include fees or taxes?
No. Fund expense ratios, advisory fees, and taxes would lower a real-world result. You can approximate fees by using a lower expected return.
How is growth calculated?
The calculator compounds the assumed annual return monthly and adds your monthly contribution at the end of each month.
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