Investment Return Calculator

Project your investment portfolio growth over time. Calculate total returns including compound growth on stocks, bonds, ETFs, and mutual funds.

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Calculator

Initial Investment ($)

Monthly Addition ($)

Expected Annual Return (%)

Investment Period (Years)

Final Value

$319,144.22

Total Contributions

$125,000.00

Total Return

$194,144.22

Growth Over Time

Year 1: $11,639.96

Year 2: $18,831.03

Year 3: $26,618.96

Year 4: $35,053.29

Year 5: $44,187.66

Year 6: $54,080.17

Year 7: $64,793.76

Year 8: $76,396.58

Year 9: $88,962.42

Year 10: $102,571.22

Year 11: $117,309.54

Year 12: $133,271.14

Year 13: $150,557.54

Year 14: $169,278.71

Year 15: $189,553.72

Year 16: $211,511.55

Year 17: $235,291.86

Year 18: $261,045.93

Year 19: $288,937.58

Year 20: $319,144.22

Year 1Year 20

How It Works

This calculator helps you estimate how your investments will grow over time. By entering your initial investment, what you add regularly, your expected rate of return, and your time horizon, you can see the power of long-term investing.

Remember that past performance doesn't guarantee future results, but historical market returns can help set realistic expectations.

The Formula

A = P(1+r)^t + PMT × ((1+r)^t - 1)/r

A = Final amount, P = Initial investment, r = Annual return rate, t = Time in years, PMT = Periodic contribution

Example

Example: Investing $5,000 initially and adding $500/month for 20 years at 8% average annual return would grow to approximately $312,000 — with only $125,000 in total contributions.

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