Investment Calculator

Project the future value of an investment with an initial amount, regular monthly contributions, and compound growth. Free, instant, no signup.

%
years
Formula: FV = P(1+r)^n + C×((1+r)^n − 1)/r
  • P = initial investment
  • C = monthly contribution
  • r = monthly interest rate
  • n = total months

How to use the Investment Calculator

  1. Enter your values. Fill in the fields with your numbers.
  2. Calculate. Press Calculate to run the investment calculator.
  3. Use the result. Copy the result or try a related tool next.

Why use our Investment Calculator

Instant results. Enter your figures and the investment calculator returns an answer in seconds.
Free & private. Runs in your browser — no signup, and nothing is sent to a server.
Accurate. Uses standard formulas so you can rely on the numbers.

Free to use — premium coming soon

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About the Investment Calculator

The Investment Calculator projects how much a lump sum and ongoing deposits could grow over time once compound interest is applied. You enter a starting amount, an expected annual return rate, how often interest compounds, the length of the investment, and any recurring contribution. The tool then calculates the future value and separates it into three parts: the money you put in (principal plus deposits) and the interest those amounts earned. It is built for planning, not promising. Markets fluctuate year to year, so treat every figure as a smoothed estimate based on a constant return rather than a guaranteed outcome.

Reach for this calculator whenever you want to test a savings or investing idea before committing money. Common uses include estimating a retirement balance, sizing the monthly deposit needed to hit a house-deposit goal, comparing a one-off investment against drip-feeding the same cash over years, or seeing how an extra one or two percent of return changes the final number. Because you can vary a single input at a time, it is also a quick way to settle 'what if' debates: what if I start five years earlier, what if I add fifty more per month, what if returns are 5 percent instead of 8.

Under the hood the tool combines two standard finance formulas. A starting lump sum grows by FV = PV x (1 + r)^n, where r is the periodic rate and n is the number of periods. Recurring deposits use the future value of an annuity, FV = PMT x [((1 + r)^n - 1) / r]. The annual rate is divided by the compounding frequency to get r, and the years are multiplied by it to get n. Contributions made at the start of each period earn one extra period of growth versus end-of-period deposits, which is why the timing option noticeably shifts long-run totals.

Everything is calculated in your browser, so the amounts, rates, and goals you type are never uploaded, stored, or shared. The accuracy of the result depends entirely on your assumptions: a constant return, no skipped contributions, and no allowance for tax, platform fees, or inflation unless you bake those into the rate yourself. For a realistic view, run a conservative scenario alongside an optimistic one, and remember that historical averages, such as the roughly 9 to 10 percent long-run average of the S&P 500 before inflation, are not a forecast of any single year.

Frequently asked questions

What return rate should I enter?

Use a rate that matches the assets you hold. Diversified stock portfolios have historically averaged around 9 to 10 percent before inflation, balanced portfolios 6 to 7 percent, and bonds closer to 4 to 5 percent. For honest planning, subtract inflation and fees, or run both a cautious and an optimistic figure to see the range.

Does it matter if contributions are at the beginning or end of the period?

Yes. A deposit made at the start of each period earns one extra period of compounding compared with one made at the end. Over many years this 'annuity due' timing produces a meaningfully higher ending balance, especially at higher rates.

How does compounding frequency change the result?

The more often interest is added back, the sooner that interest starts earning its own interest. Monthly or daily compounding gives a slightly higher total than annual compounding at the same stated rate, though the difference is small compared with the impact of the rate itself and the time invested.

Does the calculator account for taxes, fees, or inflation?

No, not automatically. It models a clean, constant return. To reflect real conditions, lower your return rate to a net or 'real' figure, for example using 6 percent instead of 9 percent to roughly strip out inflation and platform costs.

Is my financial information saved anywhere?

No. The calculation runs entirely in your browser, so the amounts, rates, and goals you enter are not sent to a server, stored, or shared with anyone.

From our blog

How to Set a Daily Carb Target You Will Actually Stick To

By the Super Simple Digital Tools Team · Updated June 2026

Carbohydrates are your body's most accessible fuel, but 'eat more carbs' or 'cut the carbs' means nothing without a number. The point of a carbohydrate calculator is to translate broad advice into a single figure in grams that you can plan meals around. Getting there takes three layers: how many calories you burn in a day, how much of that energy should come from carbs, and how to convert calories into grams. Once you understand those layers, the calculator stops being a black box and becomes a tool you can adjust with confidence.

The foundation is your Total Daily Energy Expenditure. The calculator first estimates your Basal Metabolic Rate, the energy you would burn at complete rest, using the Mifflin-St Jeor equation that takes your weight, height, age, and sex. It then multiplies that by an activity factor, which is why honestly picking 'sedentary' versus 'very active' matters so much. Overstating your activity inflates your calorie estimate and, in turn, your carb target. If you sit most of the day but train three times a week, choose a moderate level rather than the highest one.

Next comes the percentage split. The Acceptable Macronutrient Distribution Range allows anywhere from 45 to 65 percent of calories from carbohydrate, and where you land inside that band reflects your goal. Endurance athletes and people doing high-volume training tend toward the upper end to keep glycogen topped up. Those aiming for fat loss or following a lower-carb approach drift toward the lower end, shifting some calories to protein to protect muscle. There is no single correct figure inside the range, which is exactly why the calculator lets you set it.

The final step is simple arithmetic that is easy to do yourself as a sanity check. Multiply your daily calories by your chosen carb percentage to get carb calories, then divide by 4, because a gram of carbohydrate yields 4 calories. A 2,500-calorie day at 50 percent gives 1,250 carb calories, or about 313 grams. Run the same maths at 40 percent and you get 250 grams. Seeing how much one slider moves the result is the fastest way to understand the trade-offs you are making.

Finally, treat your number as a hypothesis to test, not a verdict. Eat to the target for two or three weeks while tracking your weight, energy, and training quality, then adjust. If workouts feel flat, nudge carbs up; if fat loss has stalled, trim them down and watch protein stays high. The calculator gives you a defensible starting point grounded in real nutrition science, and your own results tell you where to go from there.

  • Pick your activity level honestly; jumping one tier higher than your real lifestyle can add hundreds of carb calories you do not burn.
  • Use 4 calories per gram to spot-check the result, and remember alcohol and fat do not follow the same conversion (fat is 9 calories per gram).
  • Stay at or above the 130 gram daily minimum for adults unless a clinician has set you a specific lower-carb plan.
  • Re-run the calculator after a noticeable weight change, since both your BMR and your gram target shift as your body weight does.

Read the full guide →

Tool by the Super Simple Digital Tools Team. Reviewed by our editorial team. Free to use, no signup required.

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