Investment Return Calculator
Use the Investment Return Calculator in your browser.
Methodology & standardsRuns on your device
Inputs
Results update liveAssumption: contributions are deposited at the end of each month. The selected compounding frequency defines the nominal annual return convention and is converted to an equivalent monthly rate for this projection.
Interpretation
How Investment Return Calculation works
The Investment Return Calculator projects the future value of your investments using compound interest. Enter your initial investment, monthly contributions, expected annual return rate, and time horizon to see how your money could grow over time, with detailed year-by-year breakdowns.
Example
Key features
A realistic scenario showing how the calculation guides a practical decision.
Formula
Future Value = P(1 + r/n)^(nt) + PMT x [((1 + r/n)^(nt) - 1) / (r/n)]
- Compound interest calculations with monthly contributions
- Year-by-year growth breakdown with charts
- Compare different return rate scenarios
- Effective annual return reflects the compounding frequency selected
Watch out
Common mistakes
- The power of compound interest grows exponentially over time. Starting just 5 years earlier can increase your final portfolio value by 30-50% due to compounding \u2014 time in the market matters more than timing the market.