Investment Calculator

Use this free investment calculator to project ending balance, total contributions, and estimated growth from starting investment, monthly deposits, return, and time.

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Formula steps Estimate limits shown Examples included Private history

Starting investment ($)Monthly contribution ($)Estimated return (%)Time (years)

Projected investment balance$150,425.36

$5,000 plus $250.00/mo at 7%

Total contributions: $65,000.00
Estimated growth: $85,425.36
Time: 20 years

This is a projection, not a guaranteed return.

Formula steps

Convert the annual return assumption into monthly growth.
Compound the starting amount over the full time period.
Add each monthly contribution as an end-of-month deposit.
Estimated growth equals ending balance minus total contributions.

How to use the investment calculator

Enter the requested dollar amounts, rates, terms, tax settings, or contribution details.
Use rates as percentages, such as 6.5 for 6.5%, and check whether a field asks for a monthly or annual amount.
Press the calculate button to see the answer, supporting metrics, and formula steps.
Use the result as a planning estimate only, then copy it if the assumptions look right.

Common uses

Estimate future value from monthly investing.

Compare how time and contribution size affect growth.

Separate total contributions from estimated investment gains.

Test return assumptions before using a real investment plan.

Examples

Monthly investing $5,000 initial, $250/month, 7%, 20 years

Projected ending balance

No new deposits $10,000 at 6% for 15 years

Growth of starting amount

Contribution comparison $100 vs $300 per month

Different future balances

Frequently asked questions

Quick answers about formulas, rates, payment assumptions, estimate limits, examples, and private in-browser history.

What can I use the Investment Calculator for?

Use it for quick planning, comparison, and what-if estimates before you check exact numbers with a lender, tax professional, payroll provider, or financial adviser.

How does the Investment Calculator calculate the result?

The calculator compounds the starting amount and monthly contributions using an estimated annual return converted to monthly growth.

Is this financial, tax, or legal advice?

This is an investment projection, not investment advice. It does not include taxes, fees, market losses, risk, account rules, or guaranteed returns.

Are my finance inputs private?

Yes. The calculator runs in your browser tab. Recent answers stay only on the page while you use it and are not sent to a server.