Calculyn

Investment Calculator

See how your money grows with compound interest and regular contributions.

$
$
%
years

Results update as you type.

In 20 years you'll have

$300,851
Total contributions
$130,000
Investment growth
$170,851
  • Contributions43%
  • Growth57%
In 20 years you'll have$300,851

Projections are hypothetical and not investment advice. Real returns vary year to year and can be negative.

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How it works

Compound interest means your returns earn returns. Over long periods, growth can far exceed what you put in.

Formula

FV = P(1 + r)ⁿ + PMT × ((1 + r)ⁿ − 1) ÷ r

Example

$10,000 plus $500/month at 7% for 20 years grows to about $300,000.

Assumptions & limitations

  • A constant rate of return or inflation every year.
  • Excludes fees and taxes unless entered.
  • Contributions are made regularly and on time.

Frequently asked questions

What return should I assume?

The US stock market has historically returned around 7% per year after inflation, but past results don't guarantee future returns.