Investment planning calculator
Estimate future value, monthly contribution growth, total principal, and compound earnings directly in your browser.
Calculator directory
The old basic calculator and the newer helper tools are still available. The homepage is focused on compound interest, while the directory keeps the wider tool collection reachable.
| Year | Starting assets | Contribution | Earnings | Ending assets | Cumulative earnings |
|---|
Reverse calculator
Enter an initial amount, final amount, and investment period to estimate the annualized return.
Compound interest means investment earnings can generate additional earnings in later periods. Unlike simple interest, compounding includes growth on both the original principal and prior accumulated returns. The longer the time horizon, the more visible the compounding effect becomes.
A compound interest calculator helps estimate long-term investment results before money is committed. It can compare lump-sum investing, monthly contributions, different time horizons, and different assumed annual returns.
FV = PV × (1 + r / n) ^ (n × t)
The results are mathematical estimates based on your inputs. Real investment outcomes can be affected by market volatility, fees, taxes, inflation, and product risk.
A higher assumed return creates a higher theoretical result, but it usually also implies higher risk. Return assumptions should be read together with risk tolerance.
With the same assumptions, beginning-of-month contributions are usually slightly higher because money enters the compounding cycle earlier.
Yes, it can be used as a rough educational estimate by entering an assumed long-term annual return. It does not predict actual fund performance.
No. This tool is for education and reference only and does not provide investment, tax, legal, or financial advice.