Investment Calculator
Find what an investment grows to with monthly or yearly contributions at the beginning or end and any compounding.
Change the values and press Calculate to work out your own figures.
Enter the starting amount, contributions, return rate and years.
| Year | Contributions | Interest | Balance |
|---|---|---|---|
| 1 | $12,000.00 | $1,526.53 | $33,526.53 |
| 2 | $12,000.00 | $2,338.12 | $47,864.65 |
| 3 | $12,000.00 | $3,198.41 | $63,063.06 |
| 4 | $12,000.00 | $4,110.31 | $79,173.37 |
| 5 | $12,000.00 | $5,076.93 | $96,250.30 |
| 6 | $12,000.00 | $6,101.55 | $114,351.84 |
| 7 | $12,000.00 | $7,187.64 | $133,539.48 |
| 8 | $12,000.00 | $8,338.90 | $153,878.38 |
| 9 | $12,000.00 | $9,559.23 | $175,437.61 |
| 10 | $12,000.00 | $10,852.79 | $198,290.40 |
Show the working
- each month: balance × periodic rate × (1 − tax) is added, with contributions at the start or end
- periodic rate = (1 + r ÷ n)^(n ÷ 12) − 1
How to use it
Enter the starting amount, contributions, return rate and years.
Enter amounts without commas or with them; rates are percentages (5 for 5%). Negative amounts are allowed where a sign means money paid out.
Key facts
each month: balance × ((1 + r ÷ n)^(n ÷ 12) − 1), plus contributions
Questions
What do $20,000 and $1,000 a month become at 6% in 10 years?
$198,290.40.
Formulas
each month: balance × ((1 + r ÷ n)^(n ÷ 12) − 1), plus contributions
Sources
Limitations
- Results are estimates for planning, not offers or financial advice; lenders and banks may round, count days or time payments differently.
- Rates are nominal annual rates compounded as you choose; payments at a different frequency use the equivalent periodic rate.