Calculate Your Investment Growth

See how your money compounds over time with our free investment calculator.

Compare scenarios, factor in inflation, understand compound interest.

How It Works

Compound interest is earning returns on your returns. A $10,000 investment at 7% annual return grows to $76,123 in 30 years—not because of your initial $10k, but because of compound growth.

Use this calculator to model your own scenario: input your starting amount, monthly contribution, time horizon, and expected return. See exactly how compound interest works with your numbers.

Investment Calculator

How much are you starting with?
How much do you add each month? (optional)
How many years until you need the money?
8%
Conservative: 5%, Moderate: 8%, Aggressive: 10%
3%
Historical average: 3% (optional)
Compare scenarios (Conservative vs. Moderate vs. Aggressive)

Select Scenarios to Compare

Your Results

Investment Growth Over Time
Contributions vs. Investment Gains
Future Value (Nominal)
$0
Before inflation adjustment
Future Value (Inflation-Adjusted)
$0
Actual purchasing power
Total Contributions
$0
Your money invested
Total Gains
$0
From compound interest
Gain Percentage
0%
Return on investment
Years to 2x Initial
N/A
Rule of 72 estimate

Quick Questions

What's a realistic annual return?
Stocks average ~10%, bonds ~5%, balanced portfolios ~7-8%. Higher returns mean higher risk. Read more in our FAQ.
Does this account for taxes?
No—this shows pre-tax returns. Real returns are reduced by taxes. Tax impact depends on account type and your bracket. See our FAQ for details.
How does inflation affect my results?
Inflation erodes purchasing power. A 7% return in 3% inflation is really 4%. The calculator shows both nominal and inflation-adjusted values.
Is lump sum or monthly contributions better?
Lump sum wins in steadily rising markets; monthly contributions help in volatile markets. Both beat not investing. See real scenarios.

Want to learn more? We have comprehensive guides, real-world examples, and detailed FAQs.

How Compound Interest Works
Deep dive into formulas, time value, and common mistakes.
Real Investment Scenarios
6 examples from age 25 to 55, different strategies.
Investment FAQ
12 questions about returns, taxes, inflation, volatility.
About & Methodology
How we calculate, our sources, privacy, disclaimers.