Calculate how much your investments will grow. Model lump sum, recurring contributions, and projected returns with detailed charts.
Investment Settings
Enter your investment parameters
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Future Value (Nominal)
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Inflation-Adj. Value
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Total Invested
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Gain
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Real ROI
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Future Value (Nominal)
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About the Investment Calculator
This investment calculator projects the future value of your investments based on a starting amount, regular monthly contributions, expected annual return, and investment period. It also shows the inflation-adjusted (real) future value so you understand purchasing power — not just nominal dollars. Use it to plan for retirement, a first home, or any long-term financial goal.
FAQ
What is a realistic stock market return?
The US stock market has historically returned about 10% annually (nominal) or about 7% after inflation. Index funds tracking the S&P 500 are a common way to achieve this return.
How do monthly contributions affect growth?
Regular contributions dramatically accelerate growth due to dollar-cost averaging and compounding. Adding $500/month to $5,000 at 8% for 20 years grows to $312K vs $23K for the lump sum alone.
What does inflation-adjusted return mean?
After accounting for inflation (historically ~2-3%), your real purchasing power grows at roughly nominal return minus inflation. A 10% nominal return with 3% inflation yields about 7% real return.
What is ROI?
Return on Investment (ROI) = (Gains ÷ Total Invested) × 100. It measures the efficiency of your investment, ignoring the time value of money.