SlickCalc

Investment Calculator

Project your investment growth over time and compare different return scenarios.

Investment Details
Results

Final Value

$302370.09

Total Invested

$130000

Total Returns

$172370

+132.6%

Invested (43%)Returns (57%)

Scenario Comparison

Conservative

4%

$206224

+$76224

Moderate

7%

$302370

+$172370

Aggressive

10%

$456129

+$326129

A = P(1 + r/n)^(nt) + PMT x [((1 + r/n)^(nt) - 1) / (r/n)]

P = $10000, PMT = $500/mo, r = 7%, t = 20 yr

= $302370.09

How Investment Growth Works

This calculator uses the compound interest formula to project your investment growth. Your starting amount and monthly contributions grow at the expected annual return rate, compounded monthly. The power of compounding means your returns earn their own returns over time. See our compound interest calculator for a deeper look at how compounding works, or compare with risk-free CD rates.

The three scenario cards show how different return assumptions affect your outcome. Conservative (4%) reflects bonds or stable assets, moderate (7%) approximates historical stock market averages, and aggressive (10%) represents high-growth portfolios. If you enter an inflation rate, the calculator also shows your final value in today's purchasing power.

Frequently Asked Questions

What return rate should I use?
The S&P 500 has historically returned about 10% annually before inflation, or roughly 7% after inflation. A balanced portfolio of stocks and bonds might average 6-8%. Use a rate that matches your investment strategy and risk tolerance.
Why does inflation matter for investments?
Inflation reduces the purchasing power of future money. A dollar today buys more than a dollar in 20 years. The inflation-adjusted value shows what your investment will be worth in today's dollars, giving a more realistic picture of your future wealth.
How accurate is this calculator?
This calculator assumes a constant annual return, which is a simplification. Real investment returns fluctuate year to year. It provides a useful estimate for planning purposes but should not be treated as a guarantee of future performance.
What is the difference between conservative, moderate, and aggressive scenarios?
Conservative (4%) represents lower-risk investments like bonds and CDs. Moderate (7%) reflects a diversified portfolio of stocks and bonds. Aggressive (10%) represents a stock-heavy portfolio with higher potential returns but also higher volatility and risk.

Related Guides

Investing for Beginners: How to Start With Any Amount
A no-jargon guide to investing for complete beginners. Learn about index funds, risk, asset allocation, and how compound growth works. Includes a free investment calculator.

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