Investment Calculator

Investment Calculator - a browser-based finance utility.

Browser tool

Projected 196,665.39 at 7%

an assumption, not a forecast · 82,000.00 paid in

Projection at an assumed rate — not a guarantee

Scenarios
Scenario	Annual return	Final balance	Growth
Lower	4%	132,258.21	50,258.21
Expected	7%	196,665.39	114,665.39
Higher	10%	301,091.39	219,091.39

Final balance196,665.39after 20 year(s)

Total contributed82,000.00including the 10,000.00 start

Growth (interest)114,665.39139.8% of contributions

Balance by year
Year	Paid in this year	Contributed to date	Growth to date	Balance
1	3,600.00	13,600.00	840.68	14,440.68
2	3,600.00	17,200.00	2,002.37	19,202.37
3	3,600.00	20,800.00	3,508.29	24,308.29
4	3,600.00	24,400.00	5,383.31	29,783.31
5	3,600.00	28,000.00	7,654.12	35,654.12
6	3,600.00	31,600.00	10,349.34	41,949.34
7	3,600.00	35,200.00	13,499.63	48,699.63
8	3,600.00	38,800.00	17,137.91	55,937.91
9	3,600.00	42,400.00	21,299.44	63,699.44
10	3,600.00	46,000.00	26,022.06	72,022.06
11	3,600.00	49,600.00	31,346.31	80,946.31
12	3,600.00	53,200.00	37,315.70	90,515.70
13	3,600.00	56,800.00	43,976.87	100,776.87
14	3,600.00	60,400.00	51,379.81	111,779.81
15	3,600.00	64,000.00	59,578.16	123,578.16
16	3,600.00	67,600.00	68,629.41	136,229.41
17	3,600.00	71,200.00	78,595.22	149,795.22
18	3,600.00	74,800.00	89,541.70	164,341.70
19	3,600.00	78,400.00	101,539.75	179,939.75
20	3,600.00	82,000.00	114,665.39	196,665.39

How this is calculated

Every figure is a projection at a constant assumed return; markets do not return the same percentage every year, and past averages do not guarantee future results. Returns are before fees, taxes and inflation unless you enter a net rate. Growth is credited each contribution period at the per-period equivalent of the annual rate compounded 12× per year.

File name

.txt

About Investment Calculator

A projection of what a lump sum and regular contributions become at an assumed rate over time. The word doing the work is "assumed": this models the scenario you describe, and nothing in it forecasts a market. A free online calculator that retains nothing. Your contributions are projected in the page and then discarded.

How to use it

Enter the starting amount and contributionsRegular contributions usually dominate the outcome over anything under a couple of decades.
Choose a rate and be honest about itPick a deliberately cautious number. Build the projection on a hopeful rate and you have written fiction with a chart attached.
Compare the splitHow much of the final figure you contributed against how much was growth. The proportion is usually sobering over short periods and striking over long ones.

Why the curve bends late

Compounding pays growth on previous growth, so the effect is negligible early and dominant late. Over ten years contributions typically account for most of the balance; over thirty, growth does. That is the entire argument for starting early, and it is arithmetic rather than a sales pitch.

What it does not do

A constant annual return does not exist. Real markets deliver the same average through wildly different paths, and the order of good and bad years matters enormously when you are also withdrawing.
Fees, taxes and inflation are not deducted, and each materially reduces what a projection is worth in real terms.
Nothing here is financial advice, and past returns are not a basis for the rate you enter.

Questions people ask

What rate of return should I assume?: A deliberately conservative one, and ideally model two or three so the range is visible. Anyone who can tell you the correct figure knows something the rest of the market does not.
Why does the final figure look so different from a similar calculator?: Compounding frequency, whether contributions are applied at the start or the end of each period, and whether fees are deducted. Small differences in assumptions compound alongside the money.

Questions about ToolsVerse itself — privacy, cost, what happens to your files — are answered in the frequently asked questions.

The tools people most often need alongside Investment Calculator.

Can’t find the tool you need?

Tell us what you’re looking for and we’ll consider adding it.

Request a tool →

Investment Calculator

Projected 196,665.39 at 7%

About Investment Calculator

How to use it

Why the curve bends late

What it does not do

Questions people ask

Related tools

Can’t find the tool you need?

Projected 196,665.39 at 7%