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📈 Free Investment Calculator

Project investment growth with compound interest and regular contributions.

What is this tool?

Our free investment calculator helps project how your money grows through compound interest and regular contributions over time.

How it works

Uses A = P(1+r/n)^(nt) + PMT × [((1+r/n)^(nt)-1)/(r/n)] where P=initial, r=rate, n=compounds/year, t=years, PMT=monthly.

How to use

  1. Enter initial investment amount.
  2. Set monthly contribution.
  3. Choose expected annual return.
  4. Select time horizon.
  5. Click Calculate to see projected growth.

Reference Table

Return10yr20yr30yr
4%$14.8K$21.9K$32.4K
7%$19.7K$38.7K$76.1K
10%$25.9K$67.3K$174.5K

Frequently Asked Questions

What is a good return rate?

The S&P 500 historically averages 7-10%. Use 7% for conservative estimates.

Does monthly contribution matter?

Yes. Consistent contributions significantly boost returns through dollar-cost averaging.

What is the rule of 72?

Divide 72 by your return rate to estimate doubling time. At 7%, money doubles every ~10.3 years.

Tips & Advice

Start investing early - time is the most powerful factor in compounding. Diversify across asset classes and reinvest dividends.

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