Investment Growth Calculator (ROI + Compound Return)
Forecast investment growth with recurring contributions and compound return assumptions. No login, no storage, free forever.
Enter zero or a positive amount for investments, contributions, and return, plus a period greater than zero. Results are unavailable until the inputs are valid.
Calculator results
Illustrative Return Scenarios
Future Value
$0
Total Invested
$0
Interest Earned
$0
Ending Value ÷ Contributions
0x
Average Modeled Gain per Year
$0
Investment Breakdown
Year-by-Year Growth
| Year | Contributions | Interest | Balance |
|---|
How this investment growth calculator works
This calculator applies a constant nominal annual return divided by 12. Each month it credits modeled growth to the existing balance and then adds the monthly contribution, so contributions are treated as end-of-month deposits. The same return is applied every month; real markets do not behave that way.
Important exclusions: results do not include volatility, losses, sequence-of-returns risk, inflation, taxes, fees, fund expenses, trading costs, contribution limits, or withdrawals. “Interest earned” means modeled gain in this projection; it is not guaranteed interest from a deposit account. The 4%, 8%, and 12% buttons are calculation examples, not expected returns for any asset class.
“Ending value ÷ contributions” compares the projected ending value with all deposits, not only the initial amount. “Average modeled gain per year” is total modeled gain divided by the selected years; it is not an annualized investment-performance measure.
Test multiple assumptions and compare the output with the Investor.gov Compound Interest Calculator. Review investment risks and costs before committing money. Related tools include the Savings Calculator, Net Worth Calculator, and Budget Planner.
Frequently Asked Questions
It estimates how an investment may grow over time using contribution amounts, return rate assumptions, and compounding. This gives you a rough projection before you commit money.
Yes. You can estimate return on investment by comparing total contributions against projected ending value and gains. That makes it easier to judge whether an investment is meeting your expectations.
This tool models recurring contributions and compounding over time, not just one-time start and end values. That makes it more useful for retirement, brokerage, or recurring savings plans.
Use a range of conservative to optimistic assumptions based on your asset mix and risk tolerance, then review annually. A single fixed guess is often less useful than testing a few scenarios.
Base projections are pre-tax and nominal. For real-world planning, adjust return assumptions and include tax effects separately. If inflation matters, compare the result to a real-return estimate as well.
Yes. It is free, private, and usable without creating an account. You can test multiple return assumptions without saving anything on the site.