Projected portfolio value
A smooth projection at a constant return. Real markets do not move in a smooth line.
Contributions vs growth
Summary
About the investment calculator
Investing turns today’s money into more money over time through returns that compound. This calculator estimates the future value of an investment based on your starting amount, ongoing contributions, expected annual return and time horizon — so you can see the long-term impact of investing consistently.
Small differences in return rate or contribution amount can compound into large differences over decades, which is exactly what this tool helps you visualise.
Frequently asked questions
How do I calculate investment returns?
Future value combines your initial investment, regular contributions and compound growth at your expected annual return. This calculator applies the compound growth formula so you can see the projected balance at the end of your time horizon.
What is a realistic rate of return?
Historically, a diversified stock portfolio has returned roughly 7–10% per year before inflation over long periods, though returns vary widely year to year and are never guaranteed. Bonds and cash typically return less. Use a conservative estimate for planning.
Why do small differences in return matter so much?
Because returns compound. Over 30 years, the gap between a 6% and an 8% return can more than double your ending balance. That is why fees, which reduce your net return, matter enormously over time.
Should I invest a lump sum or contribute regularly?
Both work. Regular contributions (dollar-cost averaging) smooth out market ups and downs and build discipline, while lump sums put more money to work sooner. This calculator lets you model an initial amount plus ongoing contributions together.