Investment Return Calculator
Model your investment growth by entering an initial amount, monthly contributions, expected annual return, and time horizon. See a year-by-year projection of your portfolio value.
How to Use
Enter your initial investment amount, the amount you plan to contribute each month, your expected annual rate of return (the S&P 500 has historically averaged about 10% before inflation), and the number of years you plan to invest. The calculator shows your projected total value, how much came from your contributions, and how much came from investment returns.
Formula
This combines the future value of a lump sum with the future value of an annuity (regular contributions). P is the initial investment, PMT is the monthly contribution, r is the monthly return rate, and nis the total number of months. Each monthly contribution compounds from the time it's made until the end of the investment period.