ToolCubbyInvestment Calculator
Project the future value of your investments with monthly compounding.
How to use this investment calculator
- Enter your starting or initial amount.
- Enter the amount you plan to add each month.
- Enter an assumed annual return percentage.
- Enter how many years you plan to invest, then click Calculate future value.
How future value is calculated
FV = P × (1+r)^n + PMT × (((1+r)^n − 1) / r) r = annual return ÷ 12, n = years × 12
Monthly compounding is applied to both your initial amount and each contribution. Total invested is the sum of all money you put in; growth is the compound interest on top.
FAQ
What growth rate should I assume?
Common planning assumptions range around 6–10% for long-term diversified portfolios, but you should pick a rate you are comfortable with. We are not providing financial advice.
Does this account for inflation?
No. Future value is in today's purchasing terms. For a real (inflation-adjusted) view, use a lower return that subtracts your expected inflation.
Is it private?
Yes — it runs entirely in your browser.