Investment Calculator
Project investment returns over time with regular contributions and compounding.
Investment Calculator
Project investment returns over time with regular contributions and compounding.
Compound Growth Formula
ℹ️ Assumes monthly compounding. Past returns do not guarantee future results.
Disclaimer
Results provided by this calculator are for informational and educational purposes only. They are based on the values you enter and standard formulas, and should not be considered financial, medical, legal, or professional advice. Always consult a qualified professional before making important decisions based on these results. Roughtools makes no warranties regarding the accuracy or completeness of these calculations for your specific situation.
Frequently Asked Questions
Pro Tips
Time in the market beats timing the market. Missing just the 10 best trading days over 20 years can cut your returns in half. Stay invested through downturns.
Tax-advantaged accounts (401k, Roth IRA) let your investments grow tax-free or tax-deferred — always max these before investing in taxable accounts.
The Rule of 72: divide 72 by your annual return to estimate years to double. At 7%, money doubles every ~10.3 years. At 10%, every 7.2 years.
Increase your contribution by just 1% of salary each year you get a raise. You won't notice the difference in take-home pay, but it compounds dramatically over decades.
When to Use This Calculator
See how even small monthly contributions grow dramatically over time with compound returns — motivation to start immediately.
Calculate how much to save monthly to reach a college fund target in 10–18 years at a realistic return rate.
Project your portfolio balance at retirement based on current savings rate and expected returns.
Compare the outcome of investing a windfall now versus spreading it as monthly contributions over time.
Compare outcomes at different return rates (5%, 7%, 9%) to understand the impact of investment choice on final balance.
About the Investment Calculator
This investment calculator projects how your money grows over time using compound interest and regular monthly contributions. Enter your initial amount, monthly contribution, expected annual return, and investment horizon to see your future portfolio value and total gain. Built for investors planning retirement, education funding, or long-term wealth building.
How to Use the Investment Calculator
- 1
Enter your initial investment amount (lump sum you invest today).
- 2
Enter your monthly contribution amount (can be $0 for lump-sum only).
- 3
Enter the expected annual return rate (e.g. 7% for a diversified stock portfolio).
- 4
Enter the investment period in years.
- 5
See your projected balance, total contributions, and total interest earned.
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