Investment Calculator
Project investment growth with recurring contributions.
How much could my investment grow to?
The future value of an investment comes from the starting amount, any regular contribution, the return you assume and the number of periods.
Formula: Each period, the current balance earns rate ÷ compounding periods, then the recurring contribution is added at the end of that period.
Estimated investment value
$47,526.55
- Total contributions
- $34,000.00
- Estimated growth
- $13,526.55
Balance growth
Contributions vs growth
| Year | Balance | Contributions |
|---|---|---|
| 0 | $10,000.00 | $10,000.00 |
| 1 | $12,967.39 | $12,400.00 |
| 2 | $16,086.60 | $14,800.00 |
| 3 | $19,365.39 | $17,200.00 |
| 4 | $22,811.93 | $19,600.00 |
| 5 | $26,434.80 | $22,000.00 |
| 6 | $30,243.03 | $24,400.00 |
| 7 | $34,246.09 | $26,800.00 |
| 8 | $38,453.96 | $29,200.00 |
| 9 | $42,877.11 | $31,600.00 |
| 10 | $47,526.55 | $34,000.00 |
Results are estimates for informational purposes only and are not financial advice.
What if you contributed more?
Compare your current contribution with a different amount. Estimates only, not financial advice.
| Measure | Original | New | Difference | % difference |
|---|---|---|---|---|
| Ending balance | $47,526.55 | $78,583.01 | +$31,056.46 | +65.35% |
| Total contributions | $34,000.00 | $58,000.00 | +$24,000.00 | +70.59% |
| Estimated growth | $13,526.55 | $20,583.01 | +$7,056.46 | +52.17% |
Compare two investment plans
Two sets of assumptions, side by side.
Plan A
Plan B
| Measure | Plan A | Plan B | Difference |
|---|---|---|---|
| Ending balance | $47,526.55 | $47,526.55 | $0.00 |
| Total contributions | $34,000.00 | $34,000.00 | $0.00 |
| Estimated growth | $13,526.55 | $13,526.55 | $0.00 |
Plan A and Plan B look the same on ending balance.
What this calculator does
Compare contributions and estimated compound growth across time and frequencies.
Use it to turn Initial investment, Recurring contribution, Contribution frequency, Estimated annual return, and the other shown inputs into a checked result you can compare, copy, or rerun with different assumptions.
The page shows the formula, a numeric worked example, and the assumptions that affect this finance calculation.
Inputs and what they mean
- Initial investment
- — number value.
- Recurring contribution
- — number value.
- Contribution frequency
- — choice value.
- Estimated annual return
- — number value.
- Duration
- — number value.
- Compound frequency
- — choice value.
How to use it
- Enter the values for your estimate.
- Adjust the rate, duration, and optional scenario inputs.
- Review the totals, comparison, chart, and schedule where available.
Formula
Each period, the current balance earns rate ÷ compounding periods, then the recurring contribution is added at the end of that period.
Inputs used: Initial investment, Recurring contribution, Contribution frequency, Estimated annual return, Duration, Compound frequency.
Edge handling: Initial investment is required.; Initial investment cannot be negative.; Initial investment must be no more than 1000000000000.; Recurring contribution is required.; Recurring contribution cannot be negative..
Worked example
Ten-year growth estimate
- Start with Initial investment: 10000, Recurring contribution: 200, Contribution frequency: 12, Estimated annual return: 5, Duration: 10, Compound frequency: 12.
- Apply the method: Each period, the current balance earns rate ÷ compounding periods, then the recurring contribution is added at the end of that period.
- Start with $10,000 and add $200 monthly at an estimated 5% annual rate.
Reading the result
The headline figure is the main answer. Any breakdown underneath shows the parts that make it up, so you can check the working and see what changes when you adjust an input.
Limitations and assumptions
- Results are estimates for informational purposes only and are not financial advice.
- Inputs outside the supported range are rejected rather than forced into a result.
- The result depends on the values you enter for this investment calculator; it does not supply missing rates, rules, prices, dates, or assumptions for you.
Common questions
How much could my investment grow to?
The future value of an investment comes from the starting amount, any regular contribution, the return you assume and the number of periods. Check the formula, example, and limitations on this page before using the result for a real finance decision.
When are contributions added?
They are modeled at the end of each contribution period. Check the formula, example, and limitations on this page before using the result for a real finance decision.
Is the rate guaranteed?
No. The entered constant rate is only an estimate.
How do I use the Investment Calculator?
Enter the required values for Initial investment, Recurring contribution, Contribution frequency, Estimated annual return, Duration, and the other fields shown. The calculator applies the formula on this page and shows the main result with any supporting breakdown so you can check the arithmetic.
What formula does the Investment Calculator use?
Each period, the current balance earns rate ÷ compounding periods, then the recurring contribution is added at the end of that period. The visible formula section above lists the calculation path and the edge cases the page handles, so the result can be checked without relying on the form alone.
Can the Investment Calculator be used for exact decisions?
Use it as a calculation aid, not as a substitute for checking the underlying rule, contract, policy, or professional advice that applies to your situation. When a result depends on local rules, personal details, prices, or dates, enter those values yourself and confirm them before acting.
Cite this page
Free Calculator. (n.d.). Investment Calculator. https://freecalculator.tech/tools/investment-calculator
"Investment Calculator." Free Calculator, https://freecalculator.tech/tools/investment-calculator.
Investment Calculator — Free Calculator, https://freecalculator.tech/tools/investment-calculator
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