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Investment Calculator

Project investment growth from an initial amount plus monthly contributions.

Introduction

Investment Calculator — Project investment growth from an initial amount plus monthly contributions. Enter Initial investment, Monthly contribution, Rate (%), Years to get an instant, accurate result.

Formula

Future value = initial investment compounded annually at the given rate, plus monthly contributions grown via the future-value-of-annuity formula; gains = future value − total invested.

Step-by-step

  1. Enter the Initial investment.
  2. Enter the Monthly contribution.
  3. Enter the Rate (%).
  4. Enter the Years.
  5. Click Calculate to see your result instantly.

Real-world example

Example: With Initial investment = 5000, Monthly contribution = 200, Rate (%) = 7, Years = 15, the Investment Calculator gives Future Value: 77187.617, Total Invested: 41000, Gains: 36187.617.

Frequently Asked Questions

Are contributions assumed to happen every month?
Yes, the monthly contribution amount is applied consistently across the full investment period.
Does this account for taxes or fees?
No, it projects gross growth at your chosen rate without deducting fees or taxes.
What inputs does the Investment Calculator need?
You'll need to provide: Initial investment, Monthly contribution, Rate (%), Years. All fields use sensible defaults, so you can see a working example immediately and then adjust the values to match your own numbers.
How accurate is the Investment Calculator?
The Investment Calculator applies the formula exactly as calculated — Future value = initial investment compounded annually at the given rate, plus monthly contributions grown via the future-value-of-annuity formula; gains = future value − total invested. — so results are precise for the inputs you provide. Accuracy depends on entering correct, realistic input values.
Are these results guaranteed?
No. The Investment Calculator gives an estimate based on the numbers you enter and standard financial formulas — actual rates, fees, taxes, and terms vary by lender, institution, and jurisdiction, and can change over time. This is not financial advice; consult a qualified financial professional for decisions specific to your situation.
Is the Investment Calculator free to use?
Yes, the Investment Calculator is completely free, requires no signup, and runs instantly in your browser.

About the Investment Calculator

The Investment Calculator uses a real, verifiable formula — Future value = initial investment compounded annually at the given rate, plus monthly contributions grown via the future-value-of-annuity formula; gains = future value − total invested. — so results are accurate every time, not an approximation.