Investment Calculator
See how your investments can grow over time with compound returns. Enter your initial investment, monthly contributions, expected annual return, and time horizon.
How Investment Returns Work
Investment returns compound over time, meaning you earn returns on your returns. This exponential growth is why starting early matters so much. Even small monthly contributions can grow substantially over decades.
The Power of Compounding
The formula FV = PV(1+r)^n + PMT x ((1+r)^n - 1) / r calculates your future value. PV is your initial investment, PMT is monthly contributions, r is the monthly return rate, and n is total months.
Risk vs. Return
Higher expected returns come with higher risk. Stocks historically outperform bonds over long periods but with greater volatility. Diversification across asset classes helps manage risk while pursuing growth.