Investment Calculator

Use our free investment calculator to estimate the future value of your investments. Account for initial principal, recurring contributions, compound returns, and time horizon to plan your financial future.

Financial

Currency

Initial Investment

Monthly Contribution

Expected Annual Return (%)

Investment Period (years)

years

Compounding Frequency

Formula

Plan your investment growth with this comprehensive calculator that accounts for compound returns on both your initial lump sum and ongoing monthly contributions.

FV = PV(1+r/n)^(nt) + PMT Ã— [((1+r/n)^(nt)-1) / (r/n)]

Percentage: The percentage value you want to apply

Number: The original number or value

Result: The calculated result

How It Works

1Enter your initial investment amount and monthly contributions.
2Set the expected annual return rate and compounding frequency.
3Choose your investment time horizon in years.
4See how your investment grows with the power of compounding.

Examples

$10,000 initial, $500/mo for 10 years at 8% compounded monthly

1.Total contributions = $10,000 + ($500 Ã— 120) = $70,000
2.Monthly rate = 8%/12 = 0.6667%
3.Future value â‰ˆ $101,400

Result: $101,400

Frequently Asked Questions

Historical average stock market returns are about 7-10% annually. Bonds typically return 3-5%. Your actual returns will vary based on your asset allocation.

More frequent compounding (monthly vs annually) generates slightly higher returns. However, for long-term investments, the return rate matters much more than compounding frequency.

Both approaches work. Lump sum investing typically outperforms if you have the capital, while regular investing (dollar cost averaging) reduces the risk of investing at a market peak.

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Investment Basics

CalculateMe Team

Last updated: 2026-07-15

Frequently Asked Questions

Historical average stock market returns are about 7-10% annually. Bonds typically return 3-5%. Your actual returns will vary based on your asset allocation.

More frequent compounding (monthly vs annually) generates slightly higher returns. However, for long-term investments, the return rate matters much more than compounding frequency.

Both approaches work. Lump sum investing typically outperforms if you have the capital, while regular investing (dollar cost averaging) reduces the risk of investing at a market peak.

Investment Calculator

Formula

How It Works

Examples

$10,000 initial, $500/mo for 10 years at 8% compounded monthly

Frequently Asked Questions

What is a good investment return?

How does compounding frequency affect returns?

Should I invest a lump sum or regularly?

Related Calculators

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Investment Calculator

Formula

How It Works

Examples

$10,000 initial, $500/mo for 10 years at 8% compounded monthly

Frequently Asked Questions

What is a good investment return?

How does compounding frequency affect returns?

Should I invest a lump sum or regularly?

Related Calculators

Related Articles