Is this financial advice?

No. It is an illustrative projection for educational purposes only.

Investment Calculator

Project the future value of an investment with an initial amount and ongoing monthly contributions.

Reviewed October 7, 2026 Runs in your browser — inputs are never stored

Initial investment ($)

Monthly investment ($)

Expected annual return (%)

Years

Projected value

$206,088.33

Total invested: $100,000.00
Total returns: $106,088.33

Projected portfolio growth

Invested vs. returns

$206.1K

Projected value

Invested$100,000.0049%

Returns$106,088.3351%

This tool provides general financial estimates for educational purposes only and is not personalized financial, tax, or investment advice. Consult a licensed financial professional before making major financial decisions.

About the Investment Calculator

The investment calculator projects how a lump sum and regular monthly contributions could grow at an assumed annual return. It compounds the balance monthly and adds each contribution as it is made, then shows the future value, the total you put in and the growth earned on top. Because the result depends heavily on the return you assume, it is best used to compare scenarios — a higher monthly contribution, a longer time horizon, or a more conservative return — rather than as a forecast. The projection does not include fees, taxes or inflation, so treat it as a pre-tax, nominal figure.

How to use it

1Enter your initial investment (enter 0 if you are starting from nothing).
2Enter how much you plan to add each month.
3Enter an expected annual return as a percentage.
4Enter the number of years you plan to stay invested.
5Press Calculate to see the projected balance, your total contributions and the growth.

Worked example

$10,000 invested today plus $500 a month for 15 years at an 8% annual return grows to about $206,000. You contribute $100,000 in total, so roughly $106,000 comes from growth. Lowering the assumed return to 6% shows how sensitive the result is to that one input.

How it works

The calculator compounds your balance monthly at your expected annual return and adds each monthly contribution.

Who it is for

Long-term investors setting a monthly savings target and anyone comparing what different contribution levels could achieve.

Why it helps

It shows how much of a future balance comes from your own contributions and how much from compounding, which helps set realistic expectations.

Common use cases

Setting a monthly contribution for a long-term goal
Comparing a 6%, 8% and 10% return assumption
Seeing the effect of starting five years earlier
Estimating the value of an index-fund savings plan

Common mistakes to avoid

Treating an assumed return as guaranteed — real returns vary from year to year.
Ignoring fund fees, which compound against you just as returns compound for you.
Comparing a nominal projection with today’s prices without allowing for inflation.

Frequently asked questions

A:Historically diversified stock portfolios have returned roughly 7–10% annually before inflation, but future returns are not guaranteed.

Reviewed for accuracy · Last updated October 7, 2026

Formulas follow standard amortization, present/future value, and compounding mathematics used throughout the financial industry, and are periodically checked against reference calculations.

CalcWisee Editorial Team

Calculator development and formula review

CalcWisee is an independent site founded by Ayman. Every calculator is built from a published formula or official definition, tested against hand-worked examples before it goes live, and corrected promptly when a reader reports an issue to ayman@calcwisee.com.

Expertise: Financial mathematics, Health and fitness formulas, Applied mathematics, Unit conversion standards

References & sources