Investment Tools
Investment Calculator
Project how your investments grow over time. Enter your initial amount, regular monthly contributions, expected return, and time horizon to see your portfolio's future value.
Configure
Portfolio parameters
Schedule
Year-by-year portfolio growth
| Year | Portfolio value | Total invested | Returns | Growth |
|---|---|---|---|---|
| 1 | $17,055 | $16,000 | $1,055 | |
| 2 | $24,695 | $22,000 | $2,695 | |
| 3 | $32,970 | $28,000 | $4,970 | |
| 4 | $41,932 | $34,000 | $7,932 | |
| 5 | $51,637 | $40,000 | $11,637 |
How to use the investment calculator
01
Set initial investment
Enter how much you're investing today — this is your starting principal.
02
Add monthly contributions
Regular contributions dramatically boost returns through dollar-cost averaging.
03
See compound growth
Watch your portfolio grow year by year, with the split between contributions and market returns.
Frequently asked questions
What annual return should I assume? ▼
The S&P 500 has historically returned about 10% annually (7% after inflation). A balanced portfolio (60/40 stocks/bonds) has returned roughly 7–8%. Conservative investors often use 5–6% for planning purposes.
How important are regular contributions? ▼
Very important. Adding $500/month to a $10,000 investment at 8% for 20 years grows to ~$320,000 — vs just $46,600 without contributions. Regular investing also smooths out market volatility through dollar-cost averaging.
What is dollar-cost averaging? ▼
Investing a fixed amount regularly means you buy more shares when prices are low and fewer when prices are high. Over time, this typically results in a lower average cost per share than lump-sum investing at random times.
Disclaimer: Projections assume a constant rate of return. Actual investment returns vary and cannot be guaranteed. Past performance does not indicate future results. This is not investment advice.
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