Home › Investment Calculator

Investment Calculator

Starting capital plus monthly investing at an assumed return: the ending value, what you put in, and how much of the final figure growth contributed — with the smooth-return warning attached.

Your investing

The two piles every portfolio is made of

At the end of any investing plan there are exactly two piles of money: what you put in, and what growth added. This calculator keeps the piles separate on purpose — in a young portfolio your contributions dwarf growth; in a mature one growth should be doing most of the talking, and the crossover is the story of compounding told personally.

Ending value = start grown monthly + contributions accumulated at the same return
Example: $10,000 start, $300 a month, 8% for 20 years: you put in $82,000 and finish near $196,000 — growth contributed about $114,000, more than you did. At year 10 the piles were nearly even; the second decade belongs to growth.

The smooth-line warning, attached as it should be

Real returns arrive as a jagged sequence, and the sequence matters when money is being added or withdrawn. A constant 8% is a planning fiction — useful for scale, disqualifying as a promise. Any projection that doesn't make you slightly uncomfortable about its smoothness is underselling risk.

How this is calculated

Monthly compounding at the nominal annual return ÷ 12; contributions at month end (site convention). Taxes, fund fees and inflation are excluded — each can be layered mentally (a 1% annual fee, for instance, behaves roughly like shaving a point off the return, which the form lets you test directly).

Frequently asked questions

What return should I enter for a stock portfolio?

A planning figure, not last year's: broad US equities have compounded around 10% nominal over very long runs, global portfolios somewhat less, bonds much less. Many planners project 6–8% for a mixed portfolio to leave margin for disappointment.

How do fees enter this picture?

As a return deduction: a fund charging 1% against an 8% gross return compounds you at 7%. Over 30 years that single point costs roughly a quarter of the ending value — enter net-of-fee returns.

Is the growth pile taxed?

In a taxable account, eventually (dividends yearly, gains at sale); in retirement accounts, per their rules. The calculator is pre-tax; the IRA pages address the tax layer for their account types.

Why monthly contributions instead of yearly?

Because that is how people invest — per paycheck. Monthly timing also slightly out-earns year-end annual deposits at the same total, a difference the model captures honestly.

Not financial advice. This calculator is for information and education only. Results are estimates worked out from the figures you enter and the conventions described on this page; they are not financial advice, a loan offer, a quote, or a guarantee of any return. Products, rates and rules change, and your own circumstances matter — for decisions about your money, speak to a qualified, regulated professional.

Embed this calculator

Writing about money — a blog, a school page, a community site? Put this calculator on your page, free: copy the code below and paste it where you want the calculator to appear. It stays up to date automatically — the small credit line underneath is all we ask in return.