Investment Calculator – See Your Future Portfolio Value
Project future value from a lump sum and monthly contributions. Adjust return rate, compounding, time, and (optionally) inflation. Clear formulas and a worked example.
⚠️ Advisory only: Results are estimates for guidance. For investment advice, consult a qualified professional.
Investment Calculator
Enter starting amount, contributions, APR, and years to project growth.
Why Use This Investment Calculator?
Combine lump sum and monthly deposits
Model a starting amount and regular contributions.
Flexible compounding options
Set annual, monthly, or custom compounding frequency.
Choose nominal or real return rates
Optionally adjust for inflation to see “today’s money”.
Easily share and save your results
Copy a link that preserves your inputs and result.
Process (3 Quick Steps)
Enter starting amount
Add your lump sum (if any).
Set monthly amount & return
Choose contribution, rate, time & compounding.
Review the projection
See future value & total contributions.
How to Use This Investment Calculator
Understanding Investment Growth
Compound growth adds returns on both your original amount and the returns already earned. With regular contributions, each deposit compounds from the time it’s invested. Return rate, compounding frequency, contribution size, and time horizon drive the final value.
Formulas Used with Worked Examples
- Future value with contributions (m compounding periods/yr):
FV = P(1 + r/m)^{m·t} + PMT × \frac{(1 + r/m)^{m·t} - 1}{(r/m)} - Real (inflation-adjusted) rate (approx):
r_real ≈ \frac{1+r}{1+i} - 1 - Total contributions:
Total\_Paid = P + PMT × 12 × t(if PMT is monthly)
Worked example: P = £5,000, PMT = £200/month, annual return r = 7%, m = 12, t = 10 years.
FV ≈ £44,665. Total paid = £5,000 + £200×12×10 = £29,000 → growth ≈ £15,665. (Rounded; excludes fees/taxes.)
Assumptions: Constant average return, contributions at period end, no withdrawals, and no trading costs or taxes unless your widget includes them.
Investment Calculator FAQs
What Our Clients Say About This Tool
This estimator feels like a mini financial advisor. It’s incredibly helpful for first-time buyers to understand their limits. The income-to-debt ratio logic is spot on.
This tool is a lifesaver for budgeting. It’s intuitive and gives a clear breakdown of monthly payments. I especially like the amortization summary—it’s great for planning long-term.
Simple, fast, and accurate. The BMI Calculator gives instant results with clear health categorization. I appreciate the clean layout and mobile responsiveness—it’s perfect for quick checks on the go
⚠️ All services are offered on an advisory basis only. We do not act as legal, immigration, or financial representatives, and we do not guarantee outcomes. Any actions or applications taken based on our guidance are the sole responsibility of the individual.