Investment Calculator

Calculate investment growth with compound interest, monthly contributions, and inflation adjustment.

trending_upInvestment Calculator

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Investment Details

Initial Investment

Monthly Contribution

Annual Return Rate (%)

Investment Length (years)

Compound Frequency

Inflation Rate (%)

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Investment Summary

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Enter your investment details and click Calculate

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About Investment Calculator

The Investment Calculator projects the future growth of your investments using compound interest. Enter your initial investment amount, set up recurring monthly contributions, choose from multiple compounding frequencies, and specify your expected annual return rate to see how your portfolio will grow over time. The calculator also factors in inflation so you can understand your real purchasing power in the future.

Whether you are planning for retirement, saving for a major purchase, or evaluating different investment strategies, this tool provides a comprehensive breakdown of your projected returns. It shows total contributions, interest earned, inflation-adjusted future value, and return on investment percentage. All calculations run entirely in your browser with no data sent to any server.

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How to Use

Set Initial Amount

Enter the lump sum you plan to invest upfront. This is your starting principal that will begin earning compound interest immediately.

Add Contributions

Specify how much you will contribute each month. Regular contributions significantly boost long-term growth through dollar-cost averaging and additional compounding.

Choose Rate & Length

Set your expected annual return rate using the preset buttons or a custom value, select the compounding frequency, and enter your investment time horizon in years. Optionally adjust the inflation rate.

Calculate

Click Calculate to see your projected future value, total contributions, interest earned, inflation-adjusted value, ROI percentage, and a complete investment breakdown table.

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Frequently Asked Questions

What is compound interest and how does it help my investments? expand_more

Compound interest means you earn interest not only on your original investment but also on the interest that has already been added. Over time this creates a snowball effect where your money grows exponentially. The longer you stay invested, the more powerful compounding becomes, which is why starting early is one of the most effective investment strategies.

How do monthly contributions affect my investment growth? expand_more

Monthly contributions add new capital to your portfolio on a regular basis. Each contribution begins earning compound interest from the moment it is added, which accelerates your overall growth. Even small monthly amounts can make a significant difference over long time periods due to the compounding effect on each successive contribution.

Why does the calculator include an inflation adjustment? expand_more

Inflation reduces the purchasing power of money over time. A dollar today buys more than a dollar ten years from now. The inflation-adjusted future value shows what your investment will be worth in today's dollars, giving you a more realistic picture of your actual wealth growth and helping you set appropriate savings targets.

What does Return on Investment (ROI) mean in this calculator? expand_more

ROI is calculated as the total interest earned divided by your total contributions, expressed as a percentage. It tells you how much profit your investment generated relative to the money you put in. A higher ROI indicates more efficient growth, though it is influenced by the return rate, time horizon, and compounding frequency you select.

How does compounding frequency affect my returns? expand_more

Compounding frequency determines how often earned interest is added back to your balance. More frequent compounding — such as monthly or daily versus annually — means interest is reinvested sooner and begins earning its own interest faster. At the same nominal annual rate, daily compounding will produce a slightly higher final value than annual compounding over the same period.