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Online Simple Investment Calculator
Project the future value of an investment with regular contributions, or solve for the amount, return, or contributions needed to reach a target. Free and instant.
FUTURE ACCOUNT VALUE ($)
34,186.76
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What Is This Tool?
The Investment Calculator works in two ways. The Future tab projects what an investment will grow to over time, given a starting amount, a return rate, a compounding frequency, and regular contributions. The Target Value tab works backward from a goal: it solves for the starting amount you need, the annual return you would need, or the contributions required to reach a future value. The results are estimates to help you plan and are not financial advice. You can download the result as a PDF.
How to Use This Tool?
- On the Future tab, enter the amount, years, return rate, and contributions.
- Choose the compounding and contribution frequencies.
- On the Target Value tab, pick what you want to solve for.
- Click Calculate to see the result, then download a PDF if you wish.
Key Features
- Projects the future value of an investment with regular contributions.
- Solves backward for the amount, return, or contributions to hit a target.
- Supports several compounding and contribution frequencies.
- Accounts for both a starting amount and ongoing contributions.
- Shows a clear single result and offers a PDF download.
Examples
- Investing 15,000 plus 200 a month for 5 years at 6% grows to about 34,186.76.
- To reach 55,000 in 5 years with 500 monthly contributions, you would start with about 14,912.69.
- Reaching 50,000 from 15,000 with 350 monthly over 5 years needs about a 9.06% return.
- To reach 50,000 from 15,000 in 5 years at 6%, you would contribute about 426.65 a month.
Common Use Cases
- Projecting the growth of a savings or investment plan.
- Working out a starting amount needed for a goal.
- Finding the return rate required to reach a target.
- Setting a contribution amount to hit a future value.
- Comparing how different frequencies affect the outcome.
Tips & Best Practices
- Use a realistic long-term return rather than a best-case figure.
- Match the contribution frequency to how you actually invest.
- Include regular contributions, since they add up over time.
- Try the Target Value tab to see what a goal really requires.
- Treat the result as an estimate, since real returns vary.
Limitations
- Results are estimates for planning and are not financial advice.
- It assumes a steady return, while real markets rise and fall.
- It does not account for taxes, fees, or inflation.
- The required-return solve finds an approximate rate, not an exact one.
Frequently Asked Questions
- What is the difference between the two tabs?
- The Future tab projects what an investment grows to, while the Target Value tab works backward to find the amount, return, or contributions needed to reach a goal.
- Does it include regular contributions?
- Yes. You can add a contribution amount and choose how often it is made, and the calculator factors it into the growth.
- Why does compounding frequency matter?
- More frequent compounding lets returns build on prior returns sooner, which can slightly increase the final value.
- Can I save my result?
- Yes. Click Download Result as PDF to save the figure for the selected mode as a file.
Key Terminology
- Future value
- What an investment is projected to be worth at the end of the period.
- Compounding
- Earning returns on both the principal and the returns already added.
- Contributions
- Regular amounts added to the investment over time.
- Principal
- The starting amount invested, before any growth.
- Annual return
- The yearly rate of growth assumed for the investment.