Investment Calculator
Compound investment with monthly contributions
Year-by-year
| Year | Contributed | Earned | Balance |
|---|---|---|---|
Educational projection, not investment advice. Real returns are volatile; this assumes a constant rate. Past performance does not predict future results — consult a fee-only financial advisor for retirement and major decisions.
About Investment Calculator
An investment calculator projects how a portfolio grows when you combine an initial deposit with regular monthly contributions and a yearly return rate. Compound growth is non-intuitive: contribute the same amount monthly for 30 years instead of 20, and the final balance more than triples — not doubles — because the early money has more time to compound.
Frequently asked questions
Historic US stock market averages ~10% nominal / ~7% real (after inflation). For planning, use 6-7% to be conservative — assuming the long-term average will hold is optimistic.
Monthly is more realistic and slightly more powerful — money invested in January earns 11 more months of return than money invested in December.
Nominal growth is what the screen shows; real (inflation-adjusted) buying power is lower. Subtract ~2-3% from the rate to see today's-dollar values.
Compound interest assumes a fixed deposit; this calculator models the more realistic case of ongoing contributions on top of an initial balance.
No — it shows gross growth. Subtract ~0.5-1% for typical fund fees and adjust for your tax situation (taxable vs. tax-advantaged accounts make a huge difference).
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Investment Calculator
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