finance calculator
Project compound growth, regular contributions, and future value.
Save this page while comparing contribution levels, return assumptions, and long-term timelines.
Future value
$106,639
Formula
Future value = starting amount compounded monthly + each monthly contribution compounded over timeThe calculator compounds the starting balance and recurring monthly contributions across the investment term.
Step by step
Example
Starting with $10,000 and adding $500 per month for 10 years at a 7% annual return produces a future value above the contribution total because each month compounds over time.
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Summary
Future value
$106,639
Projected ending portfolio value.
Contributions
$70,000
Starting amount plus recurring investments.
Growth
$36,639
Estimated return above contributions.
Months invested
120 months
10 year horizon.
D3 visualization
Separate invested capital from estimated investment growth.
D3 visualization
A sampled monthly projection shows how the investment may compound over time.
Guide
The investment calculator projects future portfolio value from an initial amount, recurring monthly contributions, expected annual return, and time horizon. It separates contributions from market growth so the result is not just one large number.
It is useful for retirement planning, brokerage contributions, education investing, and long-term wealth projections where time and regular investing are the main drivers.
Enter the starting investment, monthly contribution, expected annual return, and number of years. Review future value, total contributions, and estimated growth.
Because returns are uncertain, test conservative, moderate, and optimistic scenarios. A useful investment plan should still make sense when returns are lower than expected.
The calculator compounds the balance monthly and adds each monthly contribution. Each contribution has a different amount of time to grow, which is why earlier contributions matter more.
The annual return is an assumption, not a guarantee. Real portfolios can rise and fall, and taxes or fees can reduce returns.
Future value
The projected portfolio balance at the end of the timeline.
Total contributions
The starting amount plus all recurring investments.
Investment growth
The portion of the ending value from assumed returns.
No. It is only an assumption for planning. Real investment returns vary.
Recurring contributions add capital throughout the timeline and give compounding more to work with.
No. Adjust the return assumption downward if you want a rough after-fee or after-tax estimate.