Investment Growth Calculator
From a starting amount, a monthly contribution and a return rate, work out what your investment will be worth after a given term.
Money & FinanceResult
Future value
$8,576.92
- Total contributed
- $7,000
- Total growth
- $1,576.92
- Term
- 60 months
How is it calculated?
Enter the starting amount, how much you plan to add each month, the annual return rate and the term. The tool assumes the return compounds monthly and works out what the investment is worth at the end, how much of that is your own contribution and how much is growth.
Formula
Future value = Starting × (1 + monthly rate)^months + monthly contribution × [((1 + monthly rate)^months − 1) ÷ monthly rate]
Example
Starting amount: $10,000 · Monthly contribution: $2,000 · Annual return rate: 15% · Term: 5 · Term in: Years → Future value: $198,220.83
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Frequently asked questions
How is this different from the savings goal calculator?
The savings goal calculator works out how many MONTHS it takes to reach a target; this one works out how MUCH your investment will be worth after a given term — the opposite direction.
What happens if I leave the return rate at 0?
The tool treats it like a plain jar: only your monthly contribution is added each month, with no return earned.
Can I calculate with just a starting amount, no monthly contribution?
Yes — leave the monthly contribution at 0 and the tool works out how a one-time investment grows with compound interest, the same result the Interest Calculator would give.
Is this return rate guaranteed?
No. The rate you enter is your own expectation or a product's past performance; the real return, especially for stocks or funds, can vary a lot from year to year.