Calculate ending balance, required contribution, return rate, starting amount, or investment length. (Same functionality style as calculator.net, with your theme.)
Tip: Use tabs to solve for a missing value (like required contribution or return rate).
| Year | Deposit | Interest | Ending balance |
|---|---|---|---|
| 1 | $12,000.00 | $1,526.53 | $33,526.53 |
| 2 | $12,000.00 | $2,338.12 | $47,864.65 |
| 3 | $12,000.00 | $3,198.41 | $63,063.06 |
| 4 | $12,000.00 | $4,110.31 | $79,173.37 |
| 5 | $12,000.00 | $5,076.93 | $96,250.30 |
| 6 | $12,000.00 | $6,101.55 | $114,351.84 |
| 7 | $12,000.00 | $7,187.64 | $133,539.48 |
| 8 | $12,000.00 | $8,338.90 | $153,878.38 |
| 9 | $12,000.00 | $9,559.23 | $175,437.61 |
| 10 | $12,000.00 | $10,852.79 | $198,290.40 |
Notes: This calculator assumes a constant nominal return rate and compounds based on your selected frequency. Contributions happen at the beginning or end of the selected period.
Project the future value of your investments with our free investment calculator. See how your money can grow over time based on your initial investment, regular contributions, expected return rate, and time horizon.
FV = P(1 + r)^t + C × [ ((1 + r)^t − 1) / r ]
Where FV = future value, P = initial principal, r = annual rate of return, t = number of years, C = regular contribution amount. The power of compounding means your returns generate their own returns over time.
Historically, diversified stock market index funds have averaged 7-10% annually over long periods (before inflation), though returns vary significantly and are never guaranteed.
This calculator shows nominal future value. To estimate real (inflation-adjusted) value, subtract your expected inflation rate from your return rate before calculating.
No, this calculator shows gross growth before taxes. Actual after-tax returns depend on your account type and applicable tax rates.
Due to compounding, starting even a few years earlier can significantly increase your final value, since your contributions have more time to generate returns on returns.