Investment Calculator
See how money grows when you start with one amount and add a fixed sum each month. Change the rate, the years or how often interest is added, and the answer follows.
- Free
- Works offline after your first visit
- Saves on this device
- No sign-up
- Updated
How it works
Each deposit and the money already in the account earn growth at a monthly rate worked out from your yearly rate and how often interest is added. The end total uses the standard formula for a growing sum with regular deposits.
The paid-in total is the start amount plus every deposit. The growth is what is left after taking that out. Real returns change from year to year, so the rate you type is only a planning figure.
Worked example
Start with $5,000.00, add $200.00 each month, and grow it at 6% a year for 20 years. The account reaches $108,959.20. You put in $53,000.00, so the growth is $55,959.20.
Questions
Does this assume a steady return?
Yes. The rate you enter is used every year. Markets move up and down, so treat the answer as a planning picture, not a forecast.
What does compounding mean here?
Interest is added to the balance, and that new total earns interest too. Adding it more often gives a slightly higher result for the same yearly rate.
Does this count taxes or fees?
No. Taxes, account fees and inflation are not included. Subtract them yourself if you want a closer picture.
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