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Free investment calculator. Project future value of investments with regular contributions and compound growth.
The investment calculator projects the future value of a portfolio given a starting balance, monthly or annual contributions, expected return rate, and time horizon. It also shows how much of the final balance comes from contributions versus growth.
Long-term savers planning retirement, parents funding college accounts, financial advisors illustrating scenarios for clients, and DIY investors comparing strategies. It is also useful when deciding between competing account types.
It makes the impact of contribution amounts, time horizons, and rates of return visible at a glance, which is hard to intuit. It also reveals how starting earlier — even with smaller contributions — usually beats starting later with larger ones.
It answers questions like "If I invest $500 a month at a 7% return for 30 years, what will I have?", "How much does the final balance change if I assume 5% instead of 7%?", and "What single deposit today would match a 10-year monthly contribution plan?"