Investment Calculator

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Project an investment's growth, or solve for the starting amount, return rate, contribution or time needed to reach a goal — with periodic contributions, compounding and inflation.

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End balance –
End balance –
Starting principal –
Total contributions –
Total interest –
Inflation-adjusted value –
Principal Interest
Interest compounds at the selected frequency and contributions are added at the chosen time. Estimates only — actual returns vary.

About Investment Calculator

The investment calculator projects how a portfolio grows — and, unusually, it can solve for any variable in the plan. Choose whether to find the end balance, the required starting amount, the return rate you would need, the contribution to make, or the time it takes to reach a target.

Growth compounds at your chosen frequency, from annually to daily, and regular contributions can be added monthly or yearly, at the beginning or end of each period. An optional inflation rate converts the headline result into today’s purchasing power, and the breakdown separates starting principal, total contributions and total interest.

Use it to answer real planning questions: what will $10,000 plus $300 a month become in 20 years, or what monthly amount reaches $500,000 by retirement? It is free and instant, and the figures are estimates — actual market returns vary year to year.

How to use Investment Calculator

  1. Pick what to solve for: end balance, starting amount, return rate, contribution or length.
  2. Enter the known values — starting amount or target, return rate, and investment length in years.
  3. Set the compounding frequency and your contribution amount, frequency and timing.
  4. Optionally add an inflation rate.
  5. Read the result plus the breakdown of principal, contributions and interest.

Frequently asked questions

Instead of only projecting an end balance, you can hold the goal fixed and compute the missing piece: the starting lump sum, the annual return, the periodic contribution or the number of years required.

More frequent compounding grows money slightly faster: 7% compounded monthly yields about 7.23% effectively per year versus 7.00% annually. The gap is modest but widens over long horizons.

Beginning-of-period contributions earn one extra period of growth each cycle, so they finish slightly ahead. Match the setting to when you actually transfer money into the account.

It restates the future balance in today’s purchasing power. A $500,000 balance in 25 years at 2.5% inflation buys roughly what $270,000 does now — a crucial reality check for long-term goals.

Some combinations have no solution — for example, a target below the starting amount with positive returns, or contributions too small to ever close the gap. Adjust the goal, rate or contribution and re-solve.

No. The math assumes a steady return compounded at the chosen frequency, but real investments fluctuate, and taxes and fees reduce results. Treat the output as a planning estimate, not a promise.
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