How is the final value computed?

Future value = initial × (1 + r)^t + contribution × [((1 + r/n)^(n×t) − 1) / (r/n)] × (1 + r/n), where r is the annual rate, n is contributions per year, and t is years. We compute it period by period.

Does this account for inflation?

Not by default. To compute real (inflation-adjusted) returns, subtract expected inflation (e.g. 3%) from the growth rate before entering it.

Can I model irregular contributions?

Not in this tool. For irregular cash flows, use the DCA Calculator with a custom price series, or build a spreadsheet.

What growth rate should I use?

Historically the S&P 500 has returned ~10% nominal / ~7% real per year over multi-decade periods. Crypto returns are far more volatile — use a conservative number and stress-test with multiple scenarios.

Does this account for taxes or fees?

No. Subtract management fees (e.g. 0.04% for index ETFs) from the growth rate, and use the Crypto/Stock Tax Calculators for after-tax returns.

Are my financial inputs stored?

No. Everything is computed locally.

Investment Growth Calculator

Project future value with regular contributions, growth rate, and compounding.

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See how it works

Watch a quick simulation of this tool in action — no file needed.

How to use Investment Growth Calculator

Follow these steps — everything happens instantly in your browser.

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Step 1. Enter your initial investment (can be 0).
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Step 2. Set the recurring contribution amount and frequency (monthly/weekly/yearly).
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Step 3. Enter the expected annual growth rate as a percentage.
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Step 4. Pick the time horizon in years and read the projected final value, total invested, and total growth.

Why use this tool

Frequently asked questions

Everything you might want to know about investment growth calculator.

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