Investment Calculator
Last updated: July 2026
Estimate future investment value using an initial deposit, recurring contributions, time, and expected return.
Estimated future value
$0.00
- Total contributions: $0.00
- Estimated investment growth: $0.00
On this page
Quick summary: Estimate future investment value using an initial deposit, recurring contributions, time, and expected return. Enter the requested values, calculate, review the result, and compare more than one realistic scenario before making a decision.
Read the complete guide
What this calculator does
The Investment Calculator projects how an initial investment and optional recurring contributions may change over time under an assumed rate of return. It is useful for testing long-term scenarios rather than predicting market performance.
How to use the calculator step by step
Enter the initial amount, expected return, investment duration, and recurring contribution values requested by the calculator. Compare several return assumptions rather than relying on a single optimistic forecast.
How the calculation works
The calculator compounds the invested balance over time and may add recurring contributions at regular intervals. Growth attributed to investment return is separate from money contributed directly.
Worked example and scenario testing
An initial 10,000 investment combined with 300 monthly contributions can produce a much larger balance over 20 years than the initial amount alone. The final result depends heavily on the assumed return and contribution timing.
How to interpret your result
The projected ending value is a mathematical scenario. It is especially useful for seeing how time, contribution size, and assumed return interact.
Accuracy, assumptions, and limitations
Market returns fluctuate and can be negative. Investment fees, taxes, inflation, contribution limits, withdrawals, and sequence of returns can make actual outcomes materially different.
Common mistakes to avoid
Avoid using an unusually high historical return as though it will continue every year. Also distinguish nominal investment growth from inflation-adjusted purchasing power.
Privacy and browser-based calculations
Only hypothetical investment values are required. Do not enter brokerage account numbers or confidential portfolio information.