Enter Investment Details
Projection Summary
Future Value: -
Principal Growth: -
Contribution Growth: -
Interest Earned: -
Growth Chart
📈 Overview: See How Your Investments Grow Over Time
The Investment Return Calculator helps you forecast the future value of your savings or investment portfolio. It combines:
- 💰 Your starting investment (initial principal)
- ➕ Recurring contributions (monthly, quarterly, yearly, etc.)
- 📅 Investment duration (in years)
- 📉 Compound interest based on the chosen frequency
Perfect for retirement planning, saving for education, or comparing different investment strategies — this calculator provides insight into how your money grows over time.
📘 Formula & Methodology
The future value (FV) of your investment is calculated using the compound interest + contribution formula:
FV = P × (1 + r/n)nt + PMT × [(1 + r/n)nt – 1] ÷ (r/n)
- P = Initial investment (principal)
- r = Annual interest rate (decimal)
- n = Number of compounding periods per year
- t = Time in years
- PMT = Regular contribution amount
The formula calculates how your initial investment grows and how your additional contributions compound over time.
The calculator also breaks down your results into:
- 🟩 Total contributions (initial + recurring)
- 🟦 Total interest earned
- 🟨 Final investment value
🔍 Example Calculation
Suppose you start with an initial investment of €1,000 and contribute €100 monthly. With a 6% annual return compounded monthly over 20 years:
- Principal Growth: €3,310.20
- Interest Earned: €24,514.29
- Future Value: €49,514.29
The calculator displays this visually so you can understand the power of compounding and time.
💡 Use Cases
- 📊 Planning for retirement with regular savings
- 🎓 Saving for your child’s education or college fund
- 🏡 Forecasting down payments for a home purchase
- 📉 Comparing investment strategies or interest rates
📊 Investment Growth Chart
The dynamic chart visualizes your portfolio growth over time, clearly separating:
- Initial investment
- Regular contributions
- Compound interest growth
❓ Frequently Asked Questions
What is compound interest?
Compound interest means your earnings grow on both your initial principal and on the accumulated interest. Over time, this leads to exponential growth.
What does compounding frequency mean?
It's how often interest is added to your investment. Monthly compounding (12 times/year) grows faster than annual compounding (once/year).
Can I change contribution frequency?
Currently, the calculator assumes consistent contributions per compounding period (monthly, quarterly, etc.). Choose the correct option to match your schedule.
Does this account for inflation or taxes?
No — this is a pre-tax, nominal projection. You should adjust your assumptions if you want a real (inflation-adjusted) view.
How accurate are the results?
The results are mathematically precise, but your actual investment returns may vary due to market fluctuations, fees, or changes in contributions.
What’s the difference between future value and interest earned?
Future value is the total projected amount at the end. Interest earned is the profit from compounding — the difference between final value and total contributions.
Is there a limit to how long I can project?
You can project any time frame — from 1 to 50+ years. The longer the time, the more powerful the compounding effect.