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Investment Calculator

Solve for ending balance, return rate, starting amount, time horizon, or contribution with an annual growth schedule.

What to calculate

$
$
%

Portfolio value

$200,267

$60,267 from growth

Starting amount, contributions & interest

YearDepositInterestEnding balance
1$32,000$1,569$33,569
2$12,000$2,406$47,975
3$12,000$3,295$63,270
4$12,000$4,238$79,508
5$12,000$5,239$96,747
6$12,000$6,303$115,050
7$12,000$7,432$134,481
8$12,000$8,630$155,111
9$12,000$9,902$177,014
10$12,000$11,253$200,267

Annual schedule. Year 1 deposit includes the starting amount plus that year's contributions.

Estimates assume a fixed return with monthly compounding. Past performance does not guarantee future results. Not financial advice.

Portfolio value

$200,267

+$60,267 growth

How it works

This investment calculator models a starting balance, optional monthly contributions, and an assumed annual return over a time horizon. You can solve for ending value—or flip the problem to solve for rate, starting amount, years, or contribution size.

Growth assumes regular compounding with contributions applied in a consistent monthly pattern. That is a common planning simplification; real portfolios bounce around and fees/taxes can reduce the path.

Use “length” mode when you have a dollar goal and want to know how many years of saving it might take. Use “contribution” mode when the deadline is fixed and you need a monthly savings target.

The annual schedule helps you see deposits vs growth year by year. That separation is useful when you are deciding whether a goal is driven more by saving discipline or by return assumptions.

For retirement framed around savings rate and withdrawal rate, try the Early Retirement Calculator. For CAGR or Rule of 72 shortcuts, use Return Metrics.

Frequently asked questions

What return rate should I enter?
There is no single correct number. Many people use a long-run stock/bond mix assumption and optionally lower it for fees and taxes. Running a few rates shows how sensitive your goal is.
Does this include inflation?
Not automatically. If you enter a “real” (after-inflation) return and think in today’s dollars, results are easier to interpret for purchasing power.
Can I model irregular contributions?
This tool assumes a steady monthly contribution. For uneven deposits, approximate an average monthly amount or break the plan into stages.
Why does solve-for-rate sometimes look extreme?
If the goal is aggressive relative to time and contributions, the required return can be unrealistic. That is a useful warning to adjust the goal, timeline, or savings amount.

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