Investment Calculator

Calculate how your investments grow over time.

Project the future value of any investment with a custom return rate, time horizon, and optional monthly contributions. Uses the same compound growth formula as professional financial models.

Your numbers

$
%
S&P 500 historical avg: ~10.7% · Bonds: ~4%
$
Final Portfolio$25,937
Total Gain$15,937
Total Invested$10,000
Growth over time
GainsInvested
// HOW IT WORKS

The investment growth formula.

FV = PV(1 + r/n)nt + PMT × [((1 + r/n)nt - 1) / (r/n)]
FVFuture Value — what your investment is worth at the end
PVPresent Value — your initial investment amount
rAnnual return rate as a decimal (10% = 0.10)
nCompounding periods per year (12 = monthly, 1 = annually)
tTime in years
PMTPayment per period — your recurring contribution amount

This is the standard Time Value of Money (TVM) formula used in professional financial modeling. The key insight: returns compound on themselves each period — so a 10% annual return on $10,000 in year one adds $1,000, but in year ten it adds over $2,300 on the same original investment.

// FAQ

Common questions.

// STAY UPDATED

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