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Investment Calculator

Estimate the future value of an investment with regular contributions.

Investment Inputs

Future Value
$196,523.13
After 20 years
Total Invested
$70,000.00
Total Earnings
$126,523.13

Growth Over Time

TodayYear 20

What is the Investment Calculator?

An investment calculator is a free online tool that estimates the future value of an investment based on an initial deposit, regular contributions, expected rate of return, and time horizon. Use it to model stocks, ETFs, mutual funds, and other growth investments and to see the long-term power of compound growth.

Investment Calculator formula

Future value = P × (1+r)^t + PMT × [((1+r)^t − 1) / r], where P is the initial investment, PMT is the periodic contribution, r is the periodic return, and t is the number of periods. For monthly contributions, divide the annual return by 12 and multiply the years by 12.

How to use the Investment calculator

  1. 1Enter your initial investment amount.
  2. 2Enter your regular contribution amount and frequency (monthly or annually).
  3. 3Enter the expected annual rate of return.
  4. 4Enter the time horizon in years.
  5. 5Review the future value, total contributions, and total investment growth.

Example calculation

$10,000 invested today plus $300 per month at an 8% annual return for 25 years grows to about $358,645 — $100,000 from contributions ($10K starting + $90K monthly) and $258,645 from investment growth.

Frequently asked questions

What is a good return on investment?
Historically, the U.S. stock market (S&P 500) has returned about 10% per year before inflation, or about 7% after inflation. Bonds return around 4–5%, while high-yield savings and CDs typically return 3–5% in a normal rate environment.
How much will $10,000 be worth in 20 years at 7%?
$10,000 invested at 7% compounded monthly for 20 years grows to $40,389.40 — about a 4× return. Adding $300 per month over the same period brings the final balance to roughly $191,000.
How do I calculate investment growth with monthly contributions?
Use FV = P × (1+r)^t + PMT × [((1+r)^t − 1) / r], with r as the monthly return (annual ÷ 12) and t as the number of months. Spreadsheet apps also have a FV(rate, nper, pmt, pv) function for this.
Does investment income get taxed?
In taxable brokerage accounts, yes — long-term capital gains (held over one year) are taxed at 0%, 15%, or 20% depending on income, while short-term gains are taxed as ordinary income. Tax-advantaged accounts like IRAs and 401(k)s defer or eliminate this tax.

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