Investment Growth Calculator
See how your savings could grow over time. Pick a mode below, plug in your numbers, and get a clear picture of your balance, contributions, and interest earned — in the currency of your choice.
Estimates only, based on a fixed annual return. Real investments fluctuate and this tool isn’t financial advice — check with a licensed advisor before making decisions.
Common Questions
How does this calculator work?
It projects your balance month by month using your starting amount, contributions, and expected return, factoring in how often interest compounds. Switch tabs to solve for the contribution amount or timeline needed to hit a specific goal instead.
What return rate should I use?
A common long-term average for a diversified stock portfolio is 6–8% per year, while savings accounts and CDs run much lower. Adjust the rate to match the type of investment you’re modeling.
Does this account for taxes or fees?
No. This tool shows gross growth before taxes, account fees, or inflation. Those factors will lower your real-world return, so treat these numbers as a starting estimate.
Why does contribution timing matter?
Money added at the beginning of a period has more time to earn interest than money added at the end, so “beginning of period” contributions produce a slightly higher balance over time.