Investment Calculator
| Year | Starting Balance | Contributions | Interest Earned | Ending Balance |
|---|---|---|---|---|
| 1 | $5,000.00 | $1,200.00 | $350.00 | $6,550.00 |
| 2 | $6,550.00 | $1,200.00 | $458.50 | $8,208.50 |
| 3 | $8,208.50 | $1,200.00 | $574.60 | $9,983.10 |
| 4 | $9,983.10 | $1,200.00 | $698.82 | $11,881.91 |
| 5 | $11,881.91 | $1,200.00 | $831.73 | $13,913.65 |
How to use the investment calculator
This calculator estimates the future value of your investment with compound interest and regular contributions. Enter the following:
- Initial Investment (Principal) – the starting amount
- Contribution Amount – how much you add regularly
- Annual Interest Rate (%) – the expected annual return
- Investment Duration (Years) – how long you’ll invest (1–50 years)
- Compounding Frequency – how often interest compounds (e.g., annually, monthly)
- Contribution Frequency – how often you’ll contribute (e.g., monthly, weekly)
The result updates automatically as you change the inputs — no need to press any button.
Example:
- Start with $5,000
- Add $200 monthly
- 7% annual return
- 20 years
→ Your investment could grow to $103,153.49
What is an investment calculator?
An investment calculator helps you estimate how much your money will grow over time, using the power of compound interest and consistent contributions.
It uses this formula:
Future Value = Principal + Regular Contributions + Compound Growth
based on the selected compounding and contribution frequencies.
This tool is ideal for planning long-term goals like retirement, education savings, or wealth building.
Why this calculator is useful in real life
- Estimate how much you’ll have by retirement
- Compare monthly vs. annual contributions
- Understand how compound frequency affects growth
- Visualize how even small regular investments grow over time
- Empower financial decisions with data-driven projections
Whether you're a beginner or an experienced investor, this tool gives you a clear picture of your future wealth.
Can I use different contribution and compound frequencies?
Yes. You can select from daily, weekly, monthly, quarterly, semi-annually, or annually for each — mix and match to simulate your real investment plan.
How accurate is the projection?
The calculator assumes constant interest and fixed contributions, which makes it perfect for understanding long-term growth trends — though actual market performance may vary.