Investment Calculator
Free online Investment Calculator.
Calculator
How to Use
- Enter the required values
- Click Calculate to see the result
- Review the detailed output
Formula
FV = PV(1+r)^t + PMT x [((1+r)^n - 1)/r], where FV = future value, PV = initial investment, PMT = periodic contribution, r = rate per period, n = total periods.
Example Calculations
Lump Sum
Input: $10,000 initial, 8% annual return, 20 years
Result: Final: $46,609.57, Gain: $36,609.57
Monthly Contributions
Input: $500/month, 7% return, 25 years
Result: Final: $403,881.63, Contributed: $150,000
401k Growth
Input: $5,000 start, $500/month, 9% return, 30 years
Result: Final: $963,538, Contributed: $185,000
About This Calculator
Free online investment calculator. Calculate instantly in your browser with our easy-to-use tool. No sign-up required.
Our investment calculator is free, easy to use, and provides instant results. All calculations are performed in your browser for privacy and speed.
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Frequently Asked Questions
Calculate investment returns?
A = P(1 + r)^t for lump sum. For contributions: FV = PMT x [((1+r)^n - 1) / r].
Average stock market return?
S&P 500 historically ~10% annually before inflation (~7% after). Past performance no guarantee.
Dollar-cost averaging?
Invest fixed amounts regularly regardless of price. Buys more shares when low, fewer when high.
Stocks vs bonds?
Stocks: ownership, higher returns, more risk. Bonds: loans, fixed interest, lower risk.
How do fees affect returns?
Even 1% annual fee over 30 years can reduce final balance by 25%+. Choose low-cost funds.