Compound Investment Return Calculator
Project the value of an investment with monthly contributions and compounding returns. Includes an inflation adjusted result.
Investments compound too. Gains stay invested and earn their own gains.
This calculator projects a portfolio with regular contributions. It also shows what the final figure is worth in today's dollars.
How it works
Returns are applied monthly at the rate you enter. Contributions are added each month and can rise each year.
The inflation adjusted value divides the result by cumulative inflation. That is the number to plan around.
The formula
i = inflation rate as a decimal, t = years.
Tips
- Markets do not return the same amount every year. Treat the result as a central estimate, not a promise.
- Increasing contributions with your pay is the easiest upgrade to any plan.
Frequently asked questions
What return should I expect?
US stocks have averaged roughly 10% a year over the long run before inflation. Many planners use 6% to 8% to be cautious.
Why show the inflation adjusted number?
A million dollars in 30 years buys far less than a million today. The real figure tells you what the money can actually do.
This is not financial advice. Nothing on this site is investment, tax, legal or financial advice of any kind.
The calculators give simplified estimates from the numbers you enter. They ignore taxes, fees, rate changes and real market returns, and they can be wrong.
Do not make financial decisions based on these results. Speak to a licensed financial adviser, accountant or lender before acting, and read the full disclaimer.