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Investment calculator
Project how an investment could grow from a lump sum plus regular contributions. Advanced options (free) add a yearly contribution step-up, a fee/expense-ratio drag, inflation, and a goal-seek that tells you exactly how much to invest each month to hit a target — plus a chart and year-by-year table.
Advanced optionsfree
Projected value
$319,144
Total invested$125,000
Investment gain$194,144
Effective annual yield (APY, net of fees)8.30%
Contributions vs. growth
Year-by-year breakdown
| Year | Invested | Value |
|---|---|---|
| 0 | $5,000 | $5,000 |
| 1 | $11,000 | $11,640 |
| 2 | $17,000 | $18,831 |
| 3 | $23,000 | $26,619 |
| 4 | $29,000 | $35,053 |
| 5 | $35,000 | $44,188 |
| 6 | $41,000 | $54,080 |
| 7 | $47,000 | $64,794 |
| 8 | $53,000 | $76,397 |
| 9 | $59,000 | $88,962 |
| 10 | $65,000 | $102,571 |
| 11 | $71,000 | $117,310 |
| 12 | $77,000 | $133,271 |
| 13 | $83,000 | $150,558 |
| 14 | $89,000 | $169,279 |
| 15 | $95,000 | $189,554 |
| 16 | $101,000 | $211,512 |
| 17 | $107,000 | $235,292 |
| 18 | $113,000 | $261,046 |
| 19 | $119,000 | $288,938 |
| 20 | $125,000 | $319,144 |
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Try the business valuation calculator →Frequently asked questions
- How does the investment calculator work?
- It compounds your starting amount at the expected annual return and adds the growth of your monthly contributions, showing the projected value, what you put in, and the gain.
- Can it tell me how much to invest to reach a goal?
- Yes — enter a target amount under Advanced options and it solves for the monthly contribution needed to reach it over your time horizon, accounting for fees and your chosen return. You can also model fund fees and inflation to see the real, after-cost outcome.
- Is the expected return guaranteed?
- No — it's an assumption you choose. Real returns vary; use a conservative figure and treat the result as an estimate, not a promise.