Investment Return Calculator

An investment return calculator helps you project the future value of your investments based on an initial amount, regular monthly contributions, expected annual return rate, and investment time horizon. It uses the power of compound interest to show how your money can grow over time.

This calculator is invaluable for anyone planning long-term investments, whether in stocks, bonds, mutual funds, or index funds. By adjusting the inputs, you can see how different contribution amounts, return rates, and time periods affect your final portfolio value.

The results clearly separate your total contributions from the interest earned, giving you a transparent view of how much of your wealth comes from your own savings versus investment returns. This helps illustrate the power of compound growth and the importance of starting early.

1. Enter your initial investment — The lump sum you start with.
2. Enter monthly contributions — The amount you plan to invest each month.
3. Set the expected annual return — The average yearly return you expect (e.g., 8% for stock market).
4. Enter the investment period — How many years you plan to invest.
5. View your projections — See the final value, total contributions, and interest earned.

The future value combines compound growth on the initial investment with the future value of monthly contributions:

FV = PV × (1+r)^n + PMT × [((1+r)^n - 1) / r]

Where: FV = future value, PV = present value (initial investment), PMT = monthly contribution, r = monthly interest rate, n = total number of months.

Example: $10,000 initial + $500/month at 8% for 10 years yields approximately $113,024.