Investment Calculator

This versatile financial tool helps you visualize how your investments can grow over time. Use the different tabs to solve for any unknown variable in your investment plan, assuming a fixed rate of return.

Parameters

Result

End Balance

$106,639

Starting Amount: $10,000
Total Contributions: $60,000
Total Interest: $36,639

Accumulation Schedule

YearStartContrib.InterestEnd
1$10,000$6,000$919$16,919
2$16,919$6,000$1,419$24,339
3$24,339$6,000$1,956$32,294
4$32,294$6,000$2,531$40,825
5$40,825$6,000$3,148$49,973
6$49,973$6,000$3,809$59,782
7$59,782$6,000$4,518$70,299
8$70,299$6,000$5,278$81,578
9$81,578$6,000$6,094$93,671
10$93,671$6,000$6,968$106,639

End Balance Breakdown

Compound Growth

See how your investment can grow exponentially over time with the power of compounding interest.

Multiple Scenarios

Solve for your target end amount, required starting principal, return rate, contribution amount, or investment length.

Easy To Use

A simple tabbed interface makes it easy to input your initial investment, contributions, rate, and timeline.

Works Anywhere

This is a browser-based tool, meaning no software to install. Plan your financial future on any device.

Privacy Guaranteed

All your financial data is processed on your device and is never sent to a server, ensuring complete privacy.

Completely Free

A powerful financial planning tool available for free, without any registrations or hidden fees.

A Laboratory for Financial Planning

The Investment Calculator acts like a financial laboratory, allowing you to model the future growth of money based on inputs like initial principal, additional savings, and an expected return rate. Its primary utility is to help you determine one unknown variable of an investment when the others are known, making it a flexible tool for various planning scenarios.

Applicability to Different Investment Types

This calculator can be used for almost any investment opportunity that can be simplified to the core variables. Common examples include:

  • Certificates of Deposit (CDs): A low-risk investment with a fixed interest rate and term.
  • Bonds: The risk level of a bond (e.g., high-risk corporate vs. low-risk government) determines the interest rate.
  • Stocks: While not fixed-interest, you can use average historical returns (e.g., 7-10% for the S&P 500) to model long-term growth of mutual funds or ETFs.
  • Real Estate: Analyze potential returns from rental properties or REITs.
  • Commodities: Model investments in precious metals like gold and silver or resources like oil and gas.

Limitations and Advice

While the calculator is versatile, the real difficulty is arriving at the correct value for each variable. There is often no single "right" way to calculate inputs, such as using historical vs. future-forecasted return rates. Due to this ambiguity, the results should be taken "with a grain of salt." For more precise calculations, consider using a specialized calculator for your specific need, such as our Loan Calculator or Retirement Calculator.