Investment Calculator
Project how a lump sum plus regular monthly investments could grow at an assumed annual return. The year-by-year table makes it easy to see why starting early and staying invested matters more than timing a single year.
Disclaimer: Results are estimates for planning only and are not financial advice. Interest rates, fees, taxes, and lender terms vary. Check with your bank or a qualified financial adviser before borrowing or investing.
How to use
- Enter an initial investment amount.
- Enter a monthly investment amount.
- Enter the assumed annual return.
- Enter the investment period in years.
- Click Calculate to see the projected value and the year-by-year growth table.
Frequently asked questions
Is the projected return guaranteed?
No. Investment returns vary year to year and can be negative. The assumed rate is only a planning estimate, not a promise.
What is a realistic return assumption?
That depends on the asset mix. Broad stock market history is often used for long-term planning, but past returns do not guarantee future returns.
Does this include fees and taxes?
No. Fund fees, trading costs, and taxes on gains or dividends reduce the real result, so treat the projection as a gross estimate.
Why does the table grow faster in later years?
Compounding: as the balance grows, the same percentage return produces a larger dollar gain each year.