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 solves for five different targets: ending value, the required regular contribution, the required starting amount, the required return, or the required duration to reach a target amount. It also lets you set a nominal or effective return, compounding frequency, and contribution timing.
Typical searches include investment calculator, savings plan calculator, and how much do I need to save monthly. Calculation runs locally in the browser. Historical returns do not guarantee future results; fees, taxes, and market fluctuations must be considered separately.
Typical use cases
Calculate the required monthly contribution for a goal
Enter your target amount, term, and expected return to calculate the regular contribution needed - instead of only working out the ending value of a fixed contribution.
Work out the required return or duration
Set the target amount you want to reach with a given starting amount and contributions, and let the calculator work out the required return or duration.
Compare return figures from different providers
Set nominal or effective return along with compounding frequency and contribution timing to fairly compare offers from different brokers or funds.
Tips for better results
Test several return scenarios
Calculate with a conservative, a middle, and an optimistic return instead of relying on a single assumption - especially when solving for the required contribution or duration.
Plan for fees and taxes separately
The model uses a constant return without fees, taxes, or volatility. Subtract ongoing costs and taxes separately to get a more realistic net result.
How it works
How it works
Step by step
Features
Features
Five solvable targets
Solve for ending value, required contribution, required starting amount, required return, or required duration.
Adjustable return type and compounding
Choose nominal or effective return and the compounding frequency for a fair comparison.
Transparent model assumptions
The tool explicitly notes that fees, taxes, and volatility are not modeled separately.
Frequently asked questions
Frequently asked questions
Can I solve for the required contribution instead of the ending value?
Yes. Choose the “required contribution” mode, enter your target amount, starting amount, term, and return, and the calculator solves for the necessary regular contribution.
Does the calculator account for fees and taxes?
No, the model uses a constant return without separately modeling fees, taxes, or volatility. Subtract these factors manually from the expected return.
What does contribution timing mean in this calculator?
It sets whether a regular contribution happens at the start or end of each interval. Contributions at the start earn interest for one period longer and lead to a slightly higher ending value.
More tools
More tools
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Investment Fee Calculator
Compare an investment plan’s ending value with and without ongoing, one-time and transaction fees.
ROI Calculator
Calculate ROI, net profit and optional annualized return for an investment entirely locally.