Solve for the end balance, contribution amount, return rate, starting amount, or investment length of a growing investment with regular contributions.
Every investment plan is a relationship between a starting amount, regular contributions, a return rate, and time. Change any one of them and the end balance shifts — sometimes dramatically. This calculator flips the usual question around: instead of always asking "how much will I have?", it can just as easily answer "how much do I need to contribute?" or "what return do I actually need?" to hit a specific target.
The difference between monthly and daily compounding at the same stated rate is real but small — a few dollars on a typical account, not a few thousand. What actually moves the end balance is the rate itself, how long the money compounds, and how much gets added along the way. Don't let a compounding-frequency choice distract from the much bigger levers: starting earlier, contributing more, or seeking a genuinely higher (and appropriately risk-adjusted) return.
This calculator doesn't predict future returns — it just does the math for whatever rate you plug in. Many long-term investors use a long-run historical average for the asset class in question as a starting estimate, while remembering that past returns never guarantee future ones.
It's reported as the effective annual rate regardless of how often you compound or contribute, so you can compare it apples-to-apples against other investments quoted the same way.
No — it models gross growth only. Taxes on gains and any account or fund fees would reduce the real end balance below what's shown here.
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