Project investment growth with regular contributions, adjustable returns, and different time horizons.
Enter your investment parameters to see potential growth and returns over time
Your starting amount grows through compound returns over time.
Consistent monthly investments accelerate wealth building significantly.
Earnings generate their own earnings, creating exponential growth.
Future value of a one-time $25,000 investment at common long-term return rates (annual compounding, no additional contributions):
| Annual return | 5 years | 10 years | 20 years | 30 years |
|---|---|---|---|---|
| 5% | $31,907 | $40,723 | $66,332 | $108,047 |
| 7% | $35,013 | $49,019 | $96,742 | $190,931 |
| 9% | $38,302 | $58,672 | $137,944 | $324,339 |
| 10% | $40,263 | $64,843 | $168,188 | $436,235 |
Past performance doesn't guarantee future results. Real returns after inflation average 1-2% lower. Use the calculator above with monthly contributions and tax assumptions.
Cross-checked against authoritative formulas (IRS, NIST, ACSM) and updated for 2025/2026 tax years and rates.
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Estimates only. Calculator results are for educational and planning purposes — not professional advice. For binding decisions on taxes, investments, health, or legal matters, consult a qualified professional.
FAQ
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Historical S&P 500 returns are about 10% nominal (7% real after inflation) over long periods. Bonds return 3-5%. High-yield savings return 4-5% in 2025. Our investment calculator lets you model any return rate to see how sensitive your outcome is. The investment calculator shows that even 1% difference in annual return can mean $100,000+ over 30 years.
How it works
Our investment calculator lets you estimate the future value of an investment with regular contributions, in four steps.
Type the amount you are investing now. Include any existing holdings if this is for an existing account.
Type the expected return as a percentage. A diversified stock portfolio has historically returned about 7% after inflation. Bonds are 3-5%. Be conservative - actual returns vary year to year.
Type how much you plan to add each period. Include employer match if this is a 401(k) projection.
Type how many years you want to project. Long horizons benefit most from compound growth. The result shows the nominal future value, real (inflation-adjusted) value, and total contributions.
Project the future value of savings or investments with regular contributions.
Calculate return on investment for any project or asset.
See how your savings grow over time with monthly contributions.
See how inflation changes the buying power of money over time.
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