Investment Calculator

See how your investments could grow over time. Model compound growth, recurring investments, and long-term returns using realistic assumptions.

Free to use No account required Private by default Educational estimates only

Starting amount $ Contribution $ Annual return % 7% is a conservative real-return shorthand after inflation. Long-run S&P 500 total returns are often quoted around 10% to 12% nominal before inflation, depending on the period. Time period years

Advanced assumptions

Contribution increase % / yr Inflation assumption % Long-run U.S. CPI inflation has been roughly 3% per year since 1913, though any single decade can look very different. Read the inflation guide. Goal amount $

Your investment projection

Here's how your portfolio may grow over time based on your contributions and estimated returns.

Future value $0 $0 in today's dollars

Total contributed$0

Investment growth$0

Final annual contribution$0

Contributed Growth

Goal timing

Goal timingNot reached

What this means

Adjust the assumptions to see how contribution rate, time, and inflation change the projection.

What to try next

Use the retirement calculator to turn this investment projection into a broader savings and retirement income snapshot.

Open Retirement Calculator

Investment calculator guide

What this investment calculator does

This investment growth calculator estimates how a starting balance and recurring contributions could grow over time. You can adjust the expected annual return, contribution amount, contribution frequency, time horizon, and inflation assumptions to compare different long-term scenarios.

Updated May 13, 2026. Educational estimate only.

How to use it

Enter your current investment balance.
Add the amount you plan to contribute regularly.
Choose an expected annual return.
Set your time horizon.
Turn inflation adjustments on or off if available.
Compare the projected future value with your total contributions.

Common assumptions

Investment results are estimates, not guarantees. Actual returns vary from year to year, and taxes, fees, inflation, and market volatility can affect real outcomes.

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Retirement Calculator Compound Interest Calculator Inflation Calculator Savings Calculator

How does compound growth work?

Compound growth happens when investment gains begin earning their own gains over time. The longer the money stays invested, the more powerful compounding can become.

Should I include recurring contributions?

Yes. Regular contributions can have a major impact on long-term portfolio growth, especially when combined with compounding.

Should I adjust for inflation?

Inflation-adjusted projections help show future purchasing power in today's dollars, which can be more useful for planning.

These calculators are for educational purposes only and are not financial, investment, tax, or legal advice. Results are estimates based on the assumptions provided.

Sources and research direction: Investor.gov compound interest calculator, Investor.gov on compound interest, and ClearWorth inflation guide.