Investment Calculator

This calculator projects how an initial investment, plus a fixed contribution every month, could grow over time — assuming a constant annual return that you choose. It uses the same time-value-of-money math behind most investment projections: your money grows on itself, and every contribution you add gets the same chance to grow for however long is left on your time horizon.

You supply the expected annual return yourself. This tool deliberately does not suggest a number — real investment returns depend entirely on what you invest in, and vary significantly from year to year, so any single figure presented here would be a guess dressed up as guidance. Base your assumption on your own research into the specific investments you're considering, or on advice from a qualified financial advisor.

Treat the result as a hypothetical illustration, not a forecast or a promise. It assumes a perfectly constant return every year, which real markets never actually deliver, and it doesn't subtract fees, taxes, or inflation. Use it to compare scenarios — a bigger monthly contribution, a longer time horizon, a different return assumption — rather than to predict an exact future balance. Nothing here is financial advice or a recommendation to invest.