By CalculatorInn Team · Updated: 2026-03-22 · Free & accurate · Instant results
Project the future value of investments with an initial amount, recurring monthly contributions, and expected annual return rate.
Interactive Investment Return Calculator
JavaScript is required for the interactive calculator. Enable JavaScript to use this tool.
FV = P(1+r)^n + C × ((1+r)^n − 1) / r
P = initial investment, C = monthly contribution, r = monthly return rate, n = total months.
Input: $5k initial + $300/mo at 10% for 30 years
≈$712,000
Starting early with moderate amounts can build substantial wealth through compounding.
The S&P 500 has historically returned about 10% annually before inflation, or ~7% after inflation. Use 7-8% for conservative planning.
No. Market returns fluctuate year to year. This calculator uses a fixed rate for estimation purposes.
No. Actual returns depend on your tax bracket and account type (401k, IRA, taxable brokerage, etc.).
Fast, accurate calculators for finance, work, tech, and everyday math. Clear formulas and instant answers.
Browse 600+ free online calculators for finance, math, health, tech, business, education, salary, time, and unit conversions. Instant, accurate results with formulas and worked examples.