Investment Calculator

How much could your portfolio grow over time? Enter your initial investment, expected annual return, and time horizon. Optionally add recurring investments in advanced to model regular contributions. Built for investing and portfolio growth—not savings accounts.

Inputs

Assumed growth rate, compounded monthly.

Results

Ending balance$16,470.09
Total invested$10,000
Growth earned$6,470.09
Portfolio multiplier1.65×

Investment growth over time

Portfolio balance at your entered assumptions (nominal dollars). Uses the same inputs as the results above. When inflation is set, the chart stays nominal; results panel can show today's dollars.

How it works

When you don't add recurring investments (advanced), ending balance = initial × (1 + r)^n with r = annual return ÷ 12 and n = months. When you add recurring in advanced, we use the same formula as our Compound Interest calculator: contributions at the end of each period, monthly compounding. Total invested = initial + (recurring × number of periods). Growth earned = ending balance − total invested. Optional multiplier = ending balance ÷ total invested when total invested > 0.

If you set an inflation rate in advanced, we show ending balance (and balance at 10 and 20 years when applicable) in today's dollars. The chart always shows nominal dollars. This calculator is for portfolio/investment growth; for savings-focused compounding with recurring in the main form, see the Compound Interest Calculator.

Pre-tax estimate; consult a tax advisor for your situation.

FAQ

Are these calculators financial advice?
No. All tools are for educational and estimation purposes only. Always do your own research and consider consulting a financial advisor.
Do you store my data?
No. All calculations run in your browser. We do not collect or store your inputs.
What return should I use?
Use a long-term expected return for your asset mix (e.g. 5–7% for a balanced portfolio). This is only an estimate; actual returns will vary.
How is this different from the Compound Interest Calculator?
The Compound Interest Calculator is savings- and compounding-focused: you enter initial deposit and recurring contribution in the main form and get ending balance. This Investment Calculator is portfolio/investment-focused: you enter initial, rate, and years in the main form; recurring is optional in advanced only. Use Compound Interest when savings and regular contributions are the main story; use this one when you're modeling investment or portfolio growth, with or without adding money over time.
How is this different from the Future Value Calculator?
Future Value is lump sum only—no recurring field. This calculator adds optional recurring in advanced. With no recurring, the numbers match; use Future Value for the minimal tool, this one when you want the option to add regular investments.
How is this different from the Retirement / Savings Goal Calculator?
Retirement uses age and retirement age and shows balance at retirement. Savings Goal solves for how much to save to reach a target. This calculator projects your ending balance from an initial amount and optional recurring; no age inputs, no goal-solving.

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Calculators are for education and estimation only. Not financial advice.