The Investment Calculator projects the future value of your investments based on initial deposit, regular contributions, expected rate of return, and investment period. It helps you visualize how consistent investing builds wealth over time through the power of compounding.
How the Formula Works
FV = PV × (1+r)^n + PMT × [((1+r)^n − 1) ÷ r], where FV = future value, PV = initial investment, PMT = periodic contribution, r = periodic rate, n = number of periods.
How to Use This Calculator
Enter your initial investment amount
Enter regular contribution amount and frequency
Enter the expected annual return rate
Enter the investment time horizon
View projected growth with detailed breakdown
Tips & Best Practices
Dollar-cost averaging (investing a fixed amount regularly) reduces the impact of market volatility
Reinvest dividends to maximize compound growth
Low-cost index funds historically outperform most actively managed funds after fees
A 1% annual fee difference can cost you hundreds of thousands over a 30-year period
Important Limitations
Assumes constant rate of return — actual markets are volatile
Does not account for taxes on gains, dividends, or withdrawals
Does not factor in investment fees or expense ratios
Past performance does not guarantee future results