Investment Calculator
Grow an initial investment with fixed annual contributions at your expected rate of return. The breakdown shows how much of the final value came from your own money versus market growth, year by year.
TheCalculators — Investment Calculator
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Future Value
$167,624.90
$20,000 initial + $10,000/yr at 6.00% for 10 years
- Total Contributed (incl. initial)
- $120,000
- Investment Growth
- $47,624.90
- Growth Multiple
- 1.40×
- Future Value
- $167,624.90
Contributions vs growth
- Your money$120,000
- Market growth$47,625
Value over time
Yearly breakdown
Returns are assumed constant for projection purposes; real markets fluctuate. Long-run diversified equity returns have averaged roughly 7–10% nominal.
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Formula
FV = P(1+r)^n + A × [((1+r)^n − 1)/r] × (1+r if contributed at beginning)
Pro tips
- • Small rate differences compound enormously over decades — 8% vs 6% nearly doubles a 40-year outcome.
- • Contributing at the start of each year gives every dollar an extra year of growth.
FAQ
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