Project the future value of an investment portfolio combining an initial sum and ongoing contributions.
How the Investment Calculator works
The investment calculator projects portfolio value from an initial sum plus recurring contributions growing at an expected annual return, compounded periodically.
Example calculation
$25,000 plus $500 a month at 8% for 20 years projects to roughly $400,000, with the majority being growth, not contributions.
Tips for using the Investment Calculator
- Use a conservative return estimate to avoid disappointment.
- Costs and taxes reduce real returns — keep fees low.
- Consistency beats timing the market.
Investment Calculator — frequently asked questions
- Are returns guaranteed?
- No — markets fluctuate. Use a conservative return and remember past performance is not a promise.
- Before or after inflation?
- For purchasing power, use a real return (e.g. 4–5%) instead of nominal 8%.
- Are returns guaranteed?
- No — markets fluctuate and past performance doesn't predict the future.
- Nominal or real return?
- For purchasing power, use a real return (around 4–5%) instead of nominal.
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