Finance Calculator
Last updated: November 5, 2026
Project future value from a starting balance, recurring monthly contribution, annual return and time.
Projected future value
—
- Total contributed: —
- Estimated investment growth: —
- Ending value without growth: —
On this page
Quick summary: Project future value from a starting balance, recurring monthly contribution, annual return and time.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Project future value from a starting balance, recurring monthly contribution, annual return and time.
How to use it
Enter Starting balance ($); Monthly contribution ($); Expected annual return (%); Years. Select Calculate to update the results.
How the calculation works
The projection compounds the starting balance monthly and adds each monthly contribution using a future-value annuity formula.
Worked example: starting scenario
| Starting balance ($) | 10000 |
|---|---|
| Monthly contribution ($) | 500 |
| Expected annual return (%) | 7 |
| Years | 10 |
| Projected future value | $106,639.02 |
|---|---|
| Total contributed | $70,000.00 |
| Estimated investment growth | $36,639.02 |
| Ending value without growth | $70,000.00 |
Important limitations
Returns are not guaranteed. Taxes, fees, contribution timing and market volatility are not modeled.
End-of-month deposits and nominal return
The entered annual return is divided by 12, then the balance compounds monthly with contributions at each month end. The horizon rounds to the nearest whole month. This nominal-rate convention differs from converting an effective annual yield into a monthly rate. A constant return is a scenario assumption and does not represent a variable investment path, fees, taxes or inflation.