Investment Calculator

Enter a starting amount, monthly contribution, annual return assumption, and years. Fees, inflation, contribution increases, goal solving, saved scenarios, and the full projection stay available without crowding the first screen.

Starting amount

Monthly contribution

Annual return (%)

Years

6.75% modeled net return·2.5% inflation assumption

Projected ending value

—

Updates as you type.

—Total contributions

—Modeled net growth

—Today-dollar value

Your contributionsModeled growth

Investment growthNominal vs contributed

—

Fees, inflation & contribution growth

Annual fee drag (%)

Inflation (%)

Annual contribution increase (%)

Reach a target value

Target ending value

—Monthly contribution needed

—Constant annual return needed

Year-by-year projection

Saved scenarios

This is deterministic scenario math, not investment advice or a forecast. Real returns vary and can be negative; taxes, volatility, sequence risk, and account-specific rules are not modeled.

Independent formula & assumption audit

Recalculate the core payment or growth path with a separate browser-local formula layer. It reads the existing inputs, does not fetch live rates, and does not replace the primary calculator.

Set the finance assumptions above, then refresh this audit.

Formula audit ready. User-entered assumptions only.

Core borrowing, saving & investing workflows

Start with the broad calculator that matches the decision, then move to a specialist only when the loan structure, cash flow, tax treatment, debt strategy or savings goal genuinely changes.

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How to use the Investment Calculator

Enter a starting amount, monthly contribution, constant annual return assumption, and years. The ending value updates immediately. Fee drag, inflation, and contribution increases stay under advanced options so they do not obscure the common four-input workflow.

Understand the projection

The result separates total contributions from modeled growth, shows an inflation-adjusted value, and plots growth over time. The target solver can estimate either the monthly contribution or constant return mathematically required under the same assumptions.

Investment modeling boundaries

Returns are not guaranteed and real investments can lose value. This calculator is a deterministic comparison tool, not personalized investment advice or a forecast.