Investment Calculator
Solve for an investment’s end amount, contributions, return, starting balance, or duration.
Solve one investment variable while holding the other assumptions fixed.
Result
- Contributions
- Net earnings
Interest is accrued monthly using the selected compounding equivalent. Tax is charged on positive interest at each year end; tax losses are not carried forward.
Calculation details
Scroll horizontally or vertically to see more. Download CSV for the complete schedule.
| Month | Contributions | Net earnings | Balance |
|---|---|---|---|
| 1 | 10,100 | 41.67 | 10,141.67 |
| 2 | 10,200 | 83.92 | 10,283.92 |
| 3 | 10,300 | 126.77 | 10,426.77 |
| 4 | 10,400 | 170.22 | 10,570.22 |
| 5 | 10,500 | 214.26 | 10,714.26 |
| 6 | 10,600 | 258.90 | 10,858.90 |
| 7 | 10,700 | 304.15 | 11,004.15 |
| 8 | 10,800 | 350.00 | 11,150.00 |
| 9 | 10,900 | 396.46 | 11,296.46 |
| 10 | 11,000 | 443.53 | 11,443.53 |
| 11 | 11,100 | 491.21 | 11,591.21 |
| 12 | 11,200 | 539.50 | 11,739.50 |
| 13 | 11,300 | 588.42 | 11,888.42 |
| 14 | 11,400 | 637.95 | 12,037.95 |
| 15 | 11,500 | 688.11 | 12,188.11 |
| 16 | 11,600 | 738.90 | 12,338.90 |
| 17 | 11,700 | 790.31 | 12,490.31 |
| 18 | 11,800 | 842.35 | 12,642.35 |
| 19 | 11,900 | 895.03 | 12,795.03 |
| 20 | 12,000 | 948.34 | 12,948.34 |
| 21 | 12,100 | 1,002.29 | 13,102.29 |
| 22 | 12,200 | 1,056.88 | 13,256.88 |
| 23 | 12,300 | 1,112.12 | 13,412.12 |
| 24 | 12,400 | 1,168.01 | 13,568.01 |
| 25 | 12,500 | 1,224.54 | 13,724.54 |
| 26 | 12,600 | 1,281.72 | 13,881.72 |
| 27 | 12,700 | 1,339.56 | 14,039.56 |
| 28 | 12,800 | 1,398.06 | 14,198.06 |
| 29 | 12,900 | 1,457.22 | 14,357.22 |
| 30 | 13,000 | 1,517.04 | 14,517.04 |
| 31 | 13,100 | 1,577.53 | 14,677.53 |
| 32 | 13,200 | 1,638.69 | 14,838.69 |
| 33 | 13,300 | 1,700.52 | 15,000.52 |
| 34 | 13,400 | 1,763.02 | 15,163.02 |
| 35 | 13,500 | 1,826.20 | 15,326.20 |
| 36 | 13,600 | 1,890.06 | 15,490.06 |
How to use this calculator
Solve one investment variable while holding the other assumptions fixed. Enter amounts in the units shown, select the applicable options, and click Calculate. Use Reset to restore the starting values.
Calculation formula
Solve the periodic contribution and compound growth cash-flow equation.
Assumptions and accuracy
Review timing, rates, fees and result notes when comparing scenarios. Future returns and rates are assumptions rather than guaranteed outcomes. Monetary display follows the currency’s precision; intermediate calculations retain additional digits.
Choose what to calculate
Investment growth calculator
Find the recurring contribution needed for an investment target. Other modes solve ending balance, starting amount, return or time under constant-return assumptions.
Open this calculationInvestment calculator for monthly contributions
Find the recurring contribution needed for an investment target. Other modes solve ending balance, starting amount, return or time under constant-return assumptions.
Open this calculationUnderstanding this calculation
Project an investment balance or solve for the contribution, return, starting amount or time needed for a target. Contributions and compounding frequency should reflect the plan you are actually comparing.
Worked examples
Investment growth with annual compounding
Illustrative inputs are specified in the steps below; the example link loads the complete settings. Unmentioned settings use the linked defaults.
- Year one: 1,000 × 1.10 = 1,100. Year two: 1,100 × 1.10 = 1,210. There are no deposits, taxes or inflation adjustments.
Ending balance: 1,210 USD.
Try these inputsCommon questions
Can I calculate investment growth with monthly contributions?
Yes. Enter the recurring monthly amount and choose beginning- or end-of-period timing; annual contributions are a separate input.
Does solving for a required return show an achievable investment?
No. It finds a mathematical rate under the entered cash-flow assumptions, not a product recommendation or a probability of success.
Scope and assumptions
A constant assumed return does not model volatility or guarantee investment performance. Tax and inflation adjustments are simplified.
Sources
- Calculation methodology, rule versions and testing limitations
- Reference calculator for feature comparison (not a model-parity certification)
Calculation notes checked . Examples are mathematical checks under the stated assumptions.
Calculation methods and formulas
End Amount
Solve one investment variable while holding the other assumptions fixed.
Solve the periodic contribution and compound growth cash-flow equation.
Contribute Amount
Solve one investment variable while holding the other assumptions fixed.
Solve the periodic contribution and compound growth cash-flow equation.
Return Rate
Solve one investment variable while holding the other assumptions fixed.
Solve the periodic contribution and compound growth cash-flow equation.
Starting Amount
Solve one investment variable while holding the other assumptions fixed.
Solve the periodic contribution and compound growth cash-flow equation.
Invest Length
Solve one investment variable while holding the other assumptions fixed.
Solve the periodic contribution and compound growth cash-flow equation.
See our calculation methodology and review status for data versions, rounding and validation limitations.