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FINANCE CALCULATOR

Investment Calculator

Calculate the future value of your investments with compound interest and regular contributions. Plan your financial future

Calculator

Starting amount you invest (one-time deposit)

Amount you contribute each month (if any)

Expected annual return rate

Number of years you'll invest

How often interest is compounded

Compound: interest on interest. Simple: interest only on principal

Expected annual inflation rate for real value calculation (optional)

Tax rate on investment gains (optional)

Regular monthly withdrawals from investment (optional)

How to Calculate

  • 1Enter your initial investment amount (one-time deposit)
  • 2Input your monthly contribution amount (if any)
  • 3Specify the expected annual interest rate or return
  • 4Enter the investment period in years
  • 5Select compounding frequency (monthly, quarterly, or annually)
  • 6Click 'Calculate' to see your investment growth projection
  • 7Review the final value to see how much your investment will be worth
  • 8Compare different scenarios by adjusting the interest rate or contribution amount

Calculation Examples

Long-term Investing

Input Values

Initial Investment: 10,000$
Monthly Contribution: 500$
Interest Rate: 7%
Investment Period: 20years
Compounding Frequency: monthly
Interest Type: compound

Calculation Steps

  1. Initial investment: $10,000
  2. Monthly contribution: $500
  3. Interest rate: 7% APR
  4. Investment period: 20 years
  5. Compounding: Monthly (12 times per year)
  6. Monthly interest rate: 7% ÷ 12 = 0.5833% = 0.005833
  7. Number of months: 20 years × 12 = 240 months
  8. Future value of initial investment: FV = P × (1 + r)^n
  9. FV initial = $10,000 × (1.005833)^240 = $10,000 × 4.0387 = $40,387
  10. Future value of monthly contributions: FV = PMT × [((1+r)^n - 1) / r]
  11. FV contributions = $500 × [((1.005833)^240 - 1) / 0.005833]
  12. FV contributions = $500 × [(4.0387 - 1) / 0.005833] = $500 × 520.95 = $260,475
  13. Total final value: $40,387 + $260,475 = $300,862
  14. Total contributions: $10,000 + ($500 × 240) = $130,000
  15. Total profit: $300,862 - $130,000 = $170,862
  16. Profit percentage: ($170,862 ÷ $130,000) × 100 = 131.4%

Calculated Results

Calculation not available. Showing fallback result below.

Expected Result

This example demonstrates the power of long-term investing with compound interest. By investing $10,000 initially and contributing $500 monthly for 20 years at 7% return, you'll accumulate $300,862 - more than double your total contributions. The $170,862 in profit shows how compound interest accelerates wealth building over time.

Monthly Investing

Input Values

Initial Investment: 0$
Monthly Contribution: 200$
Interest Rate: 6%
Investment Period: 30years
Compounding Frequency: monthly
Interest Type: compound

Calculation Steps

  1. Initial investment: $0
  2. Monthly contribution: $200
  3. Interest rate: 6% APR
  4. Investment period: 30 years
  5. Compounding: Monthly
  6. Monthly interest rate: 6% ÷ 12 = 0.5% = 0.005
  7. Number of months: 30 years × 12 = 360 months
  8. Future value of monthly contributions: FV = PMT × [((1+r)^n - 1) / r]
  9. (1+r)^n = (1.005)^360 = 6.0226
  10. FV = $200 × [(6.0226 - 1) / 0.005] = $200 × 1,004.52 = $200,904
  11. Total final value: $200,904
  12. Total contributions: $200 × 360 = $72,000
  13. Total profit: $200,904 - $72,000 = $128,904
  14. Profit percentage: ($128,904 ÷ $72,000) × 100 = 178.8%
  15. Note: Consistent monthly investing over 30 years shows the power of compound interest

Calculated Results

Calculation not available. Showing fallback result below.

High-Yield Investment

Input Values

Initial Investment: 5,000$
Monthly Contribution: 300$
Interest Rate: 8%
Investment Period: 15years
Compounding Frequency: monthly
Interest Type: compound

Calculation Steps

  1. Initial investment: $5,000
  2. Monthly contribution: $300
  3. Interest rate: 8% APR (higher return)
  4. Investment period: 15 years
  5. Compounding: Monthly
  6. Monthly interest rate: 8% ÷ 12 = 0.6667% = 0.006667
  7. Number of months: 15 years × 12 = 180 months
  8. Future value of initial: $5,000 × (1.006667)^180 = $5,000 × 3.3066 = $16,533
  9. Future value of contributions: $300 × [((1.006667)^180 - 1) / 0.006667]
  10. FV contributions = $300 × [(3.3066 - 1) / 0.006667] = $300 × 345.99 = $103,797
  11. Total final value: $16,533 + $103,797 = $120,330
  12. Total contributions: $5,000 + ($300 × 180) = $59,000
  13. Total profit: $120,330 - $59,000 = $61,330
  14. Profit percentage: ($61,330 ÷ $59,000) × 100 = 104.0%
  15. Note: Higher interest rate (8%) significantly increases returns compared to lower rates

Calculated Results

Calculation not available. Showing fallback result below.

Conservative Approach

Input Values

Initial Investment: 20,000$
Monthly Contribution: 400$
Interest Rate: 4%
Investment Period: 25years
Compounding Frequency: monthly
Interest Type: compound

Calculation Steps

  1. Initial investment: $20,000
  2. Monthly contribution: $400
  3. Interest rate: 4% APR (conservative rate)
  4. Investment period: 25 years
  5. Compounding: Monthly
  6. Monthly interest rate: 4% ÷ 12 = 0.3333% = 0.003333
  7. Number of months: 25 years × 12 = 300 months
  8. Future value of initial: $20,000 × (1.003333)^300 = $20,000 × 2.7138 = $54,276
  9. Future value of contributions: $400 × [((1.003333)^300 - 1) / 0.003333]
  10. FV contributions = $400 × [(2.7138 - 1) / 0.003333] = $400 × 514.14 = $205,656
  11. Total final value: $54,276 + $205,656 = $259,932
  12. Total contributions: $20,000 + ($400 × 300) = $140,000
  13. Total profit: $259,932 - $140,000 = $119,932
  14. Profit percentage: ($119,932 ÷ $140,000) × 100 = 85.7%
  15. Note: Lower risk (4% rate) but still significant growth over 25 years

Calculated Results

Calculation not available. Showing fallback result below.

Retirement Planning

Input Values

Initial Investment: 50,000$
Monthly Contribution: 1,000$
Interest Rate: 7%
Investment Period: 20years
Compounding Frequency: monthly
Interest Type: compound

Calculation Steps

  1. Initial investment: $50,000
  2. Monthly contribution: $1,000
  3. Interest rate: 7% APR (typical stock market return)
  4. Investment period: 20 years
  5. Monthly interest rate: 7% ÷ 12 = 0.5833%
  6. Number of months: 240
  7. Future value of initial: $50,000 × (1.005833)^240 = $201,935
  8. Future value of contributions: $1,000 × [((1.005833)^240 - 1) / 0.005833] = $520,950
  9. Total final value: $201,935 + $520,950 = $722,885
  10. Total contributions: $50,000 + ($1,000 × 240) = $290,000
  11. Total profit: $722,885 - $290,000 = $432,885
  12. Note: Consistent high contributions ($1,000/month) build substantial retirement savings

Calculated Results

Calculation not available. Showing fallback result below.

Frequently Asked Questions

Find answers to common questions about using this calculator. If you have additional questions, feel free to explore the examples above or contact our support team.

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