Enter your plan
Enter your starting lump sum, how much you will add each month, and your expected annual return.
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Investment Calculator
Project how a lump sum plus monthly contributions grows over timeFree investment calculator: enter a lump sum, monthly contributions and expected annual return to project future value, total invested and gains with a yearly breakdown.
// INVESTMENT CALCULATOR · GET STARTED
Use Investment Calculator
Project how a lump sum plus monthly contributions grows over time
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Future value
$ 113,669.42
Total invested
$ 70,000.00
Investment gains
$ 43,669.42
How it works Returns compound monthly. Gains are the future value minus everything you put in.
| Year | Balance at year end | Contributed that year |
|---|---|---|
| 1 | $ 17,054.96 | $ 6,000.00 |
| 2 | $ 24,695.47 | $ 6,000.00 |
| 3 | $ 32,970.15 | $ 6,000.00 |
| 4 | $ 41,931.62 | $ 6,000.00 |
| 5 | $ 51,636.89 | $ 6,000.00 |
| 6 | $ 62,147.68 | $ 6,000.00 |
| 7 | $ 73,530.87 | $ 6,000.00 |
| 8 | $ 85,858.86 | $ 6,000.00 |
| 9 | $ 99,210.07 | $ 6,000.00 |
| 10 | $ 113,669.42 | $ 6,000.00 |
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How to use the Investment Calculator
Set the horizon
Set the number of years you plan to stay invested and pick your currency.
See the projection
Read the projected future value, total invested and gains, and scan the yearly table.
// INVESTMENT CALCULATOR · ABOUT THIS TOOL
About the Investment Calculator
An investment plan is only as good as the numbers behind it, and this calculator turns a vague goal like "invest for ten years" into a concrete projection. It compounds your assumed return every month, adds each contribution at the right moment, and shows exactly how much of the final number came from your pocket versus from growth.
The year by year table is where the insight lives. Early on, contributions dominate the growth; later, compounding takes over and the balance starts climbing faster than you are adding. Seeing that crossover helps you understand why starting early matters more than picking the perfect return rate.
Investment Calculator FAQs
You enter a starting lump sum, a monthly contribution, an expected annual return and a time period. The calculator compounds the return monthly: each month the balance grows by one twelfth of the annual rate, then your contribution is added. The future value minus everything you put in is your investment gain.