Investment Calculator
Free investment calculator to project portfolio growth over time. Enter initial investment, monthly contributions, expected return rate, and investment period. Compare preset portfolios (conservative to aggressive). View inflation-adjusted returns and year-by-year growth tables.
| Year | Contributions | Year Returns | Dividends | Balance |
|---|---|---|---|---|
| 1 | $16,000 | $955 | $200 | $17,155 |
| 2 | $22,000 | $1,473 | $343 | $24,971 |
| 3 | $28,000 | $2,038 | $499 | $33,508 |
| 4 | $34,000 | $2,655 | $670 | $42,833 |
| 5 | $40,000 | $3,329 | $857 | $53,018 |
| 6 | $46,000 | $4,065 | $1,060 | $64,144 |
| 7 | $52,000 | $4,869 | $1,283 | $76,296 |
| 8 | $58,000 | $5,748 | $1,526 | $89,570 |
| 9 | $64,000 | $6,707 | $1,791 | $104,069 |
| 10 | $70,000 | $7,756 | $2,081 | $119,906 |
| ... 7 more years ... | ||||
| 18 | $118,000 | $20,487 | $5,604 | $312,273 |
| 19 | $124,000 | $22,807 | $6,245 | $347,325 |
| 20 | $130,000 | $25,341 | $6,946 | $385,612 |
How to Use Investment Calculator
- 1Enter your initial investment amount.
- 2Set monthly contributions and expected annual return.
- 3Choose investment period in years.
- 4View projected growth, total returns, and year-by-year breakdown.
Frequently Asked Questions
What return rate should I use?▾
The S&P 500 has historically returned about 10% annually before inflation (7% after). Conservative portfolios average 5-6%, balanced 7-8%, and aggressive growth 10-12%. Use lower estimates for more conservative planning.
How do monthly contributions affect growth?▾
Monthly contributions have a dramatic compounding effect. $500/month at 7% for 30 years grows to over $566,000 — with only $180,000 contributed. The remaining $386,000 is pure investment returns.
Should I adjust for inflation?▾
Yes, inflation erodes purchasing power. At 3% inflation, $1 million in 30 years has the purchasing power of about $412,000 today. Always consider inflation-adjusted (real) returns for retirement planning.
About Investment Calculator
Free investment calculator to project portfolio growth over time. Enter initial investment, monthly contributions, expected return rate, and investment period. Compare preset portfolios (conservative to aggressive). View inflation-adjusted returns and year-by-year growth tables.
NexTool's Investment Calculator is completely free to use with no sign-up required. Your data is processed directly in your browser and never sent to our servers, ensuring complete privacy and instant results.
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