Project investment growth over time with initial capital and regular monthly deposits. Analyze returns with compound interest, tax, and inflation adjustments to hit financial goals.
Successful investing requires planning and understanding how regular contributions and compound interest build long-term wealth. Our free online Investment Calculator helps you project the future value of your portfolio based on your starting capital, regular additions, expected annual rate of return, and investment horizon.
The calculator models growth month-by-month, compounding interest according to your schedule. It demonstrates the compound effect of early investing and helps you set targets for retirement, education savings, or general financial independence goals.
Regular contributions (like saving $200 a month) significantly boost your future portfolio value by continuously increasing the principal balance, which in turn generates larger compound interest returns each compounding cycle.
For long-term stock market investments, a historical average annual return of 7% to 10% (before inflation) is commonly used. However, returns fluctuate, and it is wise to run conservative estimates (e.g., 5% to 6%) to plan safely.
Inflation reduces the purchasing power of your money over time. If inflation is 3% and your investment returns 8%, your real inflation-adjusted rate of return is approximately 5%.
Stocks represent ownership in companies and offer high potential returns with high risk. Bonds are loans to governments or corporations offering moderate returns with lower risk. Cash (savings accounts/CDs) offers low returns with virtually no risk of principal loss.