Calculator
Investment Calculator
This tool projects a future value using a constant expected annual return, compounded monthly. Markets do not move in a straight line—treat the result as an illustration, not a guarantee.
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
Calculators and articles on this site are for education only. They are not 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 forecast?
No. It is an assumption you choose. Real markets vary year to year and can be negative. The output is for illustration only.
Are fees or taxes included?
No. Expense ratios, advisory fees, and taxes would reduce a real-world result. You can approximate fees by lowering the expected return.
How is growth calculated?
The assumed annual return compounds monthly, and your monthly contribution is added at the end of each month.
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