Investment calculator
Enter what you invest now, what you add each month, how much you raise that amount each year, and an expected average return. The calculator shows your future balance, how much came from your own money versus growth, and what it is worth in today's dollars after inflation.
How the projection works
Growth is applied monthly at the expected annual return (compounded monthly). Contributions are added each month and increased once a year by the percentage you choose. “In today's dollars” divides the balance by (1 + inflation)years. Real investments go up and down; a steady average return is a simplification.
Common questions
What return should I assume?
Many people test several rates. US stocks have historically averaged roughly 10% a year before inflation over long periods, with large swings; bonds and cash much less. Past returns do not guarantee future results.
Why adjust for inflation?
Prices rise over time, so a future balance buys less than the same number of dollars today.
Does this include taxes and fees?
No. Fees and taxes reduce real-world results; use a lower return to allow for them.
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Last reviewed October 31, 2026. This calculator gives estimates for education and planning only. Results depend entirely on the numbers you enter and the assumptions stated on this page; they are not investment, tax or trading advice, and real results will differ.