About Investment Calculator
This investment calculator projects how your money can grow over time by combining an initial lump sum with regular monthly contributions and compound interest. Enter your starting balance, monthly addition, expected annual return rate, and time horizon to see the projected future value. The calculator separates your total contributions from the interest earned, showing the true power of compounding. A year-by-year growth table and a visual chart illustrate how your investment builds over time. Whether you are saving for retirement, a child education fund, or building generational wealth, this tool helps you set realistic expectations and make informed investment decisions. It uses the standard future value formula with compound interest and regular annuity contributions applicable to stocks, mutual funds, ETFs, index funds, and retirement accounts.
Frequently Asked Questions
What is the Investment Calculator?
The Investment Calculator projects the future value of your investments by combining an initial lump sum, monthly contributions, and compound interest. It shows total contributions, interest earned, and a year-by-year growth breakdown.
What return rate should I use?
Historical S&P 500 average annual return is approximately 10% before inflation (7% after inflation). For conservative estimates, use 5-6%. For bonds, use 3-5%. Past performance does not guarantee future results.
Does the calculator adjust for inflation?
This calculator shows nominal (before inflation) values. To estimate real purchasing power, subtract your expected inflation rate (typically 2-3%) from the annual return rate. For inflation-adjusted projections, use our Inflation Calculator.
Is the Investment Calculator free?
Yes, the Investment Calculator is completely free to use with no registration or limits.