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Investment Growth Calculator

Estimate how your investment could grow over time using a starting amount, regular contributions, return rate and time period.

Your Details

Overview

Use this Investment Growth Calculator to estimate how your money could grow over time. Enter your starting investment, monthly contribution, expected annual return, investment term and annual fees to see a projected ending balance and estimated growth.

How it works

The calculator estimates growth using compound interest. It starts with your initial investment, adds monthly contributions, adjusts the annual return for fees, and then compounds the net return over the selected investment term. The final result is the projected balance, while growth is the difference between that balance and your total contributions.

How to use this calculator

  1. 1Enter your initial investment amount.
  2. 2Add the amount you expect to contribute each month.
  3. 3Enter your expected annual return rate.
  4. 4Enter the number of years you plan to invest.
  5. 5Add any annual fees and review the estimated future value and growth.

Example Calculation

Initial investment

$10,000

Monthly contribution

$500

Expected annual return

7%

Investment term

20

Annual fees

1%

Compounding frequency

monthly

Estimated future value

$281,775

If you start with 10000, add 500 each month, earn 7% per year and pay 0.5% in annual fees for 20 years, your projected balance would be about 286000, with around 156000 contributed and about 130000 in estimated growth.

Frequently asked questions

What does this investment growth calculator estimate?

It estimates the future value of an investment using a starting balance, monthly contributions, annual return, fees and the investment term.

Does this calculator include investment fees?

Yes. It reduces the expected annual return by the annual fees you enter to give a simple net return estimate.

Are taxes included in the result?

No. This calculator does not include taxes, which can reduce your net return depending on your account type and location.

What is compound growth?

Compound growth means your returns can generate further returns over time, which can increase the value of long-term investments.

Why is the result only an estimate?

Real investment returns vary from year to year, and fees, taxes, inflation and contribution changes can all affect the actual outcome.

Can I use this calculator for retirement planning?

Yes, it can be a useful starting point for estimating long-term growth, but it should be used as a general guide rather than a precise forecast.

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Assumptions and warnings

Assumptions

  • Results are estimates based on a constant average annual return over the full term.
  • Regular contributions are assumed to be made monthly and at the end of each month.
  • Annual fees are subtracted from the expected annual return as a simple percentage adjustment.
  • This calculator does not include taxes, inflation, trading costs or changes in contribution amounts.

Warnings

  • This calculator provides an estimate only and is not financial advice.
  • Investment returns are not guaranteed and actual performance can be higher or lower than shown.