Investment Calculator
Plan investments with future value calculator. Initial amount, monthly contributions, and annual return rate.
How to Use
Enter your values in the fields above and click Calculate to get instant results. All computations run locally in your browser. No data is ever uploaded or stored.
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Planning Your Investment Returns
Investment returns depend on your initial contribution, regular additions, expected rate of return, and time horizon. CalcSolver's investment calculator projects the future value of your portfolio using compound growth, helping you set realistic financial goals.
Investing $500/month at 8% average annual return for 20 years grows to approximately $275,000 — with total contributions of just $120,000. The remaining $155,000 comes from compound growth. Starting 10 years earlier would double the final value to over $600,000.
The key to successful investing is consistency and time. Dollar-cost averaging (investing a fixed amount regularly) reduces the impact of market volatility. Diversify across stocks, bonds, and other assets to manage risk. Use our compound interest calculator and retirement calculator to build a complete financial plan.
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Frequently Asked Questions
How do I calculate investment returns?
Enter your initial investment, expected annual return, time horizon, and any regular contributions. The calculator uses compound interest to project your portfolio growth over time.
What is a realistic expected return?
Historical stock market average is about 7-10% annually before inflation. Bonds typically return 3-5%. A diversified portfolio might average 6-8%. Be conservative in your estimates for planning purposes.
What is dollar-cost averaging?
Dollar-cost averaging means investing a fixed amount regularly regardless of market conditions. This strategy reduces the impact of market volatility and is the approach used when you add regular contributions.