Investment Calculator
Calculate ending value, contribution, starting amount, return or duration for a simplified investment plan.
Calculate an investment plan
The calculation runs entirely in your browser.
Projected ending value
$54,879.74
- Projected ending value
- $54,879.74
- Own money
- $40,000.00
- Contributions
- $30,000.00
- Investment growth
- $14,879.74
- Effective annual return
- 5.00%
- Number of contributions
- 120
Schedule and yearly summary
| Year | Opening value | Contributions | Ending value |
|---|---|---|---|
| 1 | $13,264.10 | $250.00 | $13,568.14 |
| 2 | $16,995.45 | $250.00 | $17,314.70 |
| 3 | $20,913.37 | $250.00 | $21,248.58 |
| 4 | $25,027.18 | $250.00 | $25,379.15 |
| 5 | $29,346.69 | $250.00 | $29,716.25 |
| 6 | $33,882.17 | $250.00 | $34,270.21 |
| 7 | $38,644.42 | $250.00 | $39,051.86 |
| 8 | $43,644.78 | $250.00 | $44,072.60 |
| 9 | $48,895.17 | $250.00 | $49,344.37 |
| 10 | $54,408.07 | $250.00 | $54,879.74 |
Constant returns are model assumptions, not forecasts or financial advice.
Good to know
Good to know
The Investment Calculator supports model calculations for investment amount, savings plan, return, term, target value, and required contribution. Enter starting amount, recurring contribution, return, term, target amount, and payment timing and review future value, required contribution, required return, duration, own money, and gains, so assumptions, magnitudes, and alternatives are easier to compare.
Typical searches include investment calculator, savings plan calculator, required return calculator. Calculation runs locally in the browser and shows results, intermediate steps, and key figures without upload. Historical returns do not guarantee future results; risks, taxes, and fees must be checked separately.
Typical use cases
Compare scenarios
Change amount, term, interest rate, payment, or target value and immediately see how the key figures change.
Document assumptions
The core logic is: future value comes from starting balance, contributions, and periodic compounding. Visible inputs, results, and intermediate steps help explain the model calculation in notes, spreadsheets, or conversations.
Prepare decisions
Use the values as orientation for questions to lenders, tax advisors, employers, providers, or internal planning. The tool does not replace individual advice.
Tips for better results
Separate nominal and real values
Inflation, fees, taxes, and purchasing power can materially change the result. Check whether you are comparing nominal amounts or values in today's purchasing power.
Check contract details separately
Lender offers, credit cards, insurance, taxes, and investment products often use their own rounding, fee, and calendar rules. Binding decisions require the original documents.
Test sensitivity
Run conservative, middle, and optimistic variants. Small changes in rate, term, inflation, or payment can create large differences in financial calculations.
How it works
How it works
Step by step
Features
Features
Local in the browser
Inputs and results are not uploaded for calculation.
Flexible assumptions
Adjust starting amount, recurring contribution, return, term, target amount, and payment timing and compare variants immediately.
Traceable calculation path
Formulas, intermediate steps, and key figures make the model calculation easier to review.
No financial advice
The result is a model calculation, not a recommendation for credit, investing, tax, or contracts.
Frequently asked questions
Frequently asked questions
Is the Investment Calculator financial advice?
No. The tool creates a calculation model based on your inputs. It does not account for your individual situation, a full contract, or personal tax position.
Why can a provider calculate different numbers?
Providers may include fees, day-count rules, rounding, special terms, taxes, bonuses, or contract details that are not part of a general browser calculation.
Are my financial values stored?
No. Calculation runs in the browser. Entered values are not transferred to Xoricon for the calculation.
Why do rounding and currency matter?
Small rounding differences can add up over many months or periods. The currency selection controls only symbol and number format; all compared amounts should already be in the same currency.
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ROI Calculator
Calculate ROI, net profit and optional annualized return for an investment entirely locally.