Compound growth
The tool compounds the annual return monthly for a simple long-term projection.
Finance calculators
Investment Calculator
Project investment growth from starting balance, monthly contributions, annual return, and years invested.
Complete guide
How to use Investment Calculator
Use the Investment Calculator to estimate future portfolio value from a starting balance and recurring monthly contributions. It compounds growth monthly and shows total contributions versus estimated investment gains.
Recurring deposits
Monthly contribution timing can be set to the beginning or end of each month.
Growth estimate
Results are projections, not guarantees, because market returns vary.
Answers
Investment Calculator FAQs
What return should I enter?
Use a conservative long-term annual return estimate that matches your risk level.
Does this include taxes or fees?
No. Taxes, advisory fees, fund fees, and inflation are not included.
Can I use it for retirement planning?
Yes, but the dedicated retirement calculator includes age-based inputs too.
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Methodology and examples
Investment Calculator - Free Online Tool: formula, example, and use cases
Maintained by FormatNest. See the methodology, assumptions and sources below.
Formula or method
The result applies the entered principal, rate, contribution, and time period using the selected simple-interest, compound-growth, or amortization model.
Best use cases
Use Investment Calculator - Free Online Tool for planning, comparison, and what-if scenarios before confirming figures with a lender, tax professional, or financial adviser.
Important: For educational planning only. Rates, tax rules, fees, and eligibility vary; confirm important decisions with a qualified professional.
Editorial note: Review the input definitions, units and assumptions before relying on results. For corrections, contact FormatNest with your inputs and expected result.