Investment Calculator

Calculate investment growth, compound interest, and portfolio projections. Plan your financial future with confidence.

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Calculate Your Investment Growth

Enter your investment details to calculate future value, compound interest, and portfolio projections

Select Investment Type

$
$1,000 $1,000,000
$
$0 $10,000
years
1 year 50 years
%
0% 50%
%
0% 20%
%
0% 50%

Contribution Frequency

Advanced Options

%
%

Investment Growth Projection

Detailed analysis of your investment growth and future value projections

$402,552 Future Value
$130,000 Total Contributions
$272,552 Total Earnings
9.8% Annualized Return

Investment Growth Over Time

Portfolio Value
Contributions
Earnings

Year-by-Year Growth

Year Beginning Balance Contributions Earnings Ending Balance Annual Return

Compare Investment Scenarios

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How It Works

  • Enter initial investment amount
  • Set monthly/annual contributions
  • Choose investment period
  • Set expected return rate
  • Adjust inflation and tax rates
  • Calculate and compare scenarios

Investment Tips

  • Start investing as early as possible
  • Diversify your investment portfolio
  • Consider dollar-cost averaging
  • Reinvest dividends and earnings
  • Review and rebalance regularly
  • Consider tax-advantaged accounts

Investment Terms

  • Compound Interest: Interest earned on both initial principal and accumulated interest
  • Annualized Return: Geometric average amount of money earned each year
  • Inflation-Adjusted: Returns adjusted for purchasing power changes

Key Features

  • Compound interest calculations
  • Multiple contribution frequencies
  • Inflation and tax adjustments
  • Scenario comparison
  • Visual growth charts
  • Exportable reports
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Frequently Asked Questions

Get answers to common questions about investment calculations

How accurate is the investment calculator?
Our investment calculator provides accurate projections based on compound interest formulas. However, actual investment returns may vary due to market volatility, fees, and other factors. This tool is for educational and planning purposes.
What is compound interest?
Compound interest is interest calculated on the initial principal and also on the accumulated interest of previous periods. It's often called "interest on interest" and can significantly grow your investments over time.
Should I adjust for inflation?
Yes, adjusting for inflation gives you a more realistic picture of your investment's purchasing power. Historical average inflation is around 3% annually. Our calculator allows you to adjust for inflation to see real (inflation-adjusted) returns.
What's a realistic expected return rate?
Historical stock market returns average 7-10% annually before inflation. Conservative investments like bonds typically return 3-5%. Your expected return should match your risk tolerance and investment strategy.
How do taxes affect my investment returns?
Taxes can significantly impact your investment returns. Capital gains taxes, dividend taxes, and income taxes all reduce your net returns. Consider tax-advantaged accounts like IRAs or 401(k)s for long-term investments.
What's the 4% withdrawal rule?
The 4% rule suggests that you can withdraw 4% of your retirement portfolio annually (adjusted for inflation) with a high probability of not running out of money over a 30-year retirement period. This is a common retirement planning guideline.

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