Savings & Investing

Investment Calculator

Project an investment balance or solve for the starting amount, return rate, investment period, or recurring contribution required to reach a target. The calculation supports multiple compounding frequencies and beginning- or end-of-period contributions.

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Investment

Interest

Principal

Contributions

0 yr

5 yr

10 yr

15 yr

#	BEGINNING BALANCE	INTEREST	CONTRIBUTION	ENDING BALANCE
1	$23,383.75	$1,300.67	$2,400.00	$23,700.67
2	$27,293.12	$1,528.92	$2,400.00	$27,629.59
3	$31,443.61	$1,771.24	$2,400.00	$31,800.83
4	$35,850.10	$2,028.52	$2,400.00	$36,229.35
5	$40,528.37	$2,301.66	$2,400.00	$40,931.01
6	$45,495.18	$2,591.65	$2,400.00	$45,922.66
7	$50,768.34	$2,899.52	$2,400.00	$51,222.18
8	$56,366.73	$3,226.38	$2,400.00	$56,848.56
9	$62,310.42	$3,573.41	$2,400.00	$62,821.97
10	$68,620.70	$3,941.83	$2,400.00	$69,163.80
11	$75,320.19	$4,332.98	$2,400.00	$75,896.79
12	$82,432.88	$4,748.26	$2,400.00	$83,045.05
13	$89,984.28	$5,189.15	$2,400.00	$90,634.20
14	$98,001.42	$5,657.23	$2,400.00	$98,691.43
15	$106,513.05	$6,154.18	$2,400.00	$107,245.61

#	BEGINNING BALANCE	INTEREST	CONTRIBUTION	ENDING BALANCE
1	$20,000.00	$100.00	$200.00	$20,300.00
2	$20,300.00	$101.50	$200.00	$20,601.50
3	$20,601.50	$103.01	$200.00	$20,904.51
4	$20,904.51	$104.52	$200.00	$21,209.03
5	$21,209.03	$106.05	$200.00	$21,515.08
6	$21,515.08	$107.58	$200.00	$21,822.65
7	$21,822.65	$109.11	$200.00	$22,131.76
8	$22,131.76	$110.66	$200.00	$22,442.42
9	$22,442.42	$112.21	$200.00	$22,754.63
10	$22,754.63	$113.77	$200.00	$23,068.41
11	$23,068.41	$115.34	$200.00	$23,383.75
12	$23,383.75	$116.92	$200.00	$23,700.67
Year 1 End
13	$23,700.67	$118.50	$200.00	$24,019.17
14	$24,019.17	$120.10	$200.00	$24,339.27
15	$24,339.27	$121.70	$200.00	$24,660.96
16	$24,660.96	$123.30	$200.00	$24,984.27
17	$24,984.27	$124.92	$200.00	$25,309.19
18	$25,309.19	$126.55	$200.00	$25,635.74
19	$25,635.74	$128.18	$200.00	$25,963.92
20	$25,963.92	$129.82	$200.00	$26,293.73
21	$26,293.73	$131.47	$200.00	$26,625.20
22	$26,625.20	$133.13	$200.00	$26,958.33
23	$26,958.33	$134.79	$200.00	$27,293.12
24	$27,293.12	$136.47	$200.00	$27,629.59
Year 2 End
25	$27,629.59	$138.15	$200.00	$27,967.73
26	$27,967.73	$139.84	$200.00	$28,307.57
27	$28,307.57	$141.54	$200.00	$28,649.11
28	$28,649.11	$143.25	$200.00	$28,992.36
29	$28,992.36	$144.96	$200.00	$29,337.32
30	$29,337.32	$146.69	$200.00	$29,684.00
31	$29,684.00	$148.42	$200.00	$30,032.42
32	$30,032.42	$150.16	$200.00	$30,382.59
33	$30,382.59	$151.91	$200.00	$30,734.50
34	$30,734.50	$153.67	$200.00	$31,088.17
35	$31,088.17	$155.44	$200.00	$31,443.61
36	$31,443.61	$157.22	$200.00	$31,800.83
Year 3 End
37	$31,800.83	$159.00	$200.00	$32,159.84
38	$32,159.84	$160.80	$200.00	$32,520.63
39	$32,520.63	$162.60	$200.00	$32,883.24
40	$32,883.24	$164.42	$200.00	$33,247.65
41	$33,247.65	$166.24	$200.00	$33,613.89
42	$33,613.89	$168.07	$200.00	$33,981.96
43	$33,981.96	$169.91	$200.00	$34,351.87
44	$34,351.87	$171.76	$200.00	$34,723.63
45	$34,723.63	$173.62	$200.00	$35,097.25
46	$35,097.25	$175.49	$200.00	$35,472.74
47	$35,472.74	$177.36	$200.00	$35,850.10
48	$35,850.10	$179.25	$200.00	$36,229.35
Year 4 End
49	$36,229.35	$181.15	$200.00	$36,610.50
50	$36,610.50	$183.05	$200.00	$36,993.55
51	$36,993.55	$184.97	$200.00	$37,378.52
52	$37,378.52	$186.89	$200.00	$37,765.41
53	$37,765.41	$188.83	$200.00	$38,154.24
54	$38,154.24	$190.77	$200.00	$38,545.01
55	$38,545.01	$192.73	$200.00	$38,937.73
56	$38,937.73	$194.69	$200.00	$39,332.42
57	$39,332.42	$196.66	$200.00	$39,729.08
58	$39,729.08	$198.65	$200.00	$40,127.73
59	$40,127.73	$200.64	$200.00	$40,528.37
60	$40,528.37	$202.64	$200.00	$40,931.01
Year 5 End
61	$40,931.01	$204.66	$200.00	$41,335.66
62	$41,335.66	$206.68	$200.00	$41,742.34
63	$41,742.34	$208.71	$200.00	$42,151.05
64	$42,151.05	$210.76	$200.00	$42,561.81
65	$42,561.81	$212.81	$200.00	$42,974.62
66	$42,974.62	$214.87	$200.00	$43,389.49
67	$43,389.49	$216.95	$200.00	$43,806.44
68	$43,806.44	$219.03	$200.00	$44,225.47
69	$44,225.47	$221.13	$200.00	$44,646.60
70	$44,646.60	$223.23	$200.00	$45,069.83
71	$45,069.83	$225.35	$200.00	$45,495.18
72	$45,495.18	$227.48	$200.00	$45,922.66
Year 6 End
73	$45,922.66	$229.61	$200.00	$46,352.27
74	$46,352.27	$231.76	$200.00	$46,784.03
75	$46,784.03	$233.92	$200.00	$47,217.95
76	$47,217.95	$236.09	$200.00	$47,654.04
77	$47,654.04	$238.27	$200.00	$48,092.31
78	$48,092.31	$240.46	$200.00	$48,532.77
79	$48,532.77	$242.66	$200.00	$48,975.44
80	$48,975.44	$244.88	$200.00	$49,420.31
81	$49,420.31	$247.10	$200.00	$49,867.42
82	$49,867.42	$249.34	$200.00	$50,316.75
83	$50,316.75	$251.58	$200.00	$50,768.34
84	$50,768.34	$253.84	$200.00	$51,222.18
Year 7 End
85	$51,222.18	$256.11	$200.00	$51,678.29
86	$51,678.29	$258.39	$200.00	$52,136.68
87	$52,136.68	$260.68	$200.00	$52,597.36
88	$52,597.36	$262.99	$200.00	$53,060.35
89	$53,060.35	$265.30	$200.00	$53,525.65
90	$53,525.65	$267.63	$200.00	$53,993.28
91	$53,993.28	$269.97	$200.00	$54,463.25
92	$54,463.25	$272.32	$200.00	$54,935.56
93	$54,935.56	$274.68	$200.00	$55,410.24
94	$55,410.24	$277.05	$200.00	$55,887.29
95	$55,887.29	$279.44	$200.00	$56,366.73
96	$56,366.73	$281.83	$200.00	$56,848.56
Year 8 End
97	$56,848.56	$284.24	$200.00	$57,332.81
98	$57,332.81	$286.66	$200.00	$57,819.47
99	$57,819.47	$289.10	$200.00	$58,308.57
100	$58,308.57	$291.54	$200.00	$58,800.11
101	$58,800.11	$294.00	$200.00	$59,294.11
102	$59,294.11	$296.47	$200.00	$59,790.58
103	$59,790.58	$298.95	$200.00	$60,289.53
104	$60,289.53	$301.45	$200.00	$60,790.98
105	$60,790.98	$303.95	$200.00	$61,294.94
106	$61,294.94	$306.47	$200.00	$61,801.41
107	$61,801.41	$309.01	$200.00	$62,310.42
108	$62,310.42	$311.55	$200.00	$62,821.97
Year 9 End
109	$62,821.97	$314.11	$200.00	$63,336.08
110	$63,336.08	$316.68	$200.00	$63,852.76
111	$63,852.76	$319.26	$200.00	$64,372.02
112	$64,372.02	$321.86	$200.00	$64,893.88
113	$64,893.88	$324.47	$200.00	$65,418.35
114	$65,418.35	$327.09	$200.00	$65,945.45
115	$65,945.45	$329.73	$200.00	$66,475.17
116	$66,475.17	$332.38	$200.00	$67,007.55
117	$67,007.55	$335.04	$200.00	$67,542.59
118	$67,542.59	$337.71	$200.00	$68,080.30
119	$68,080.30	$340.40	$200.00	$68,620.70
120	$68,620.70	$343.10	$200.00	$69,163.80
Year 10 End
121	$69,163.80	$345.82	$200.00	$69,709.62
122	$69,709.62	$348.55	$200.00	$70,258.17
123	$70,258.17	$351.29	$200.00	$70,809.46
124	$70,809.46	$354.05	$200.00	$71,363.51
125	$71,363.51	$356.82	$200.00	$71,920.33
126	$71,920.33	$359.60	$200.00	$72,479.93
127	$72,479.93	$362.40	$200.00	$73,042.33
128	$73,042.33	$365.21	$200.00	$73,607.54
129	$73,607.54	$368.04	$200.00	$74,175.58
130	$74,175.58	$370.88	$200.00	$74,746.46
131	$74,746.46	$373.73	$200.00	$75,320.19
132	$75,320.19	$376.60	$200.00	$75,896.79
Year 11 End
133	$75,896.79	$379.48	$200.00	$76,476.27
134	$76,476.27	$382.38	$200.00	$77,058.65
135	$77,058.65	$385.29	$200.00	$77,643.95
136	$77,643.95	$388.22	$200.00	$78,232.17
137	$78,232.17	$391.16	$200.00	$78,823.33
138	$78,823.33	$394.12	$200.00	$79,417.44
139	$79,417.44	$397.09	$200.00	$80,014.53
140	$80,014.53	$400.07	$200.00	$80,614.60
141	$80,614.60	$403.07	$200.00	$81,217.68
142	$81,217.68	$406.09	$200.00	$81,823.77
143	$81,823.77	$409.12	$200.00	$82,432.88
144	$82,432.88	$412.16	$200.00	$83,045.05
Year 12 End
145	$83,045.05	$415.23	$200.00	$83,660.27
146	$83,660.27	$418.30	$200.00	$84,278.58
147	$84,278.58	$421.39	$200.00	$84,899.97
148	$84,899.97	$424.50	$200.00	$85,524.47
149	$85,524.47	$427.62	$200.00	$86,152.09
150	$86,152.09	$430.76	$200.00	$86,782.85
151	$86,782.85	$433.91	$200.00	$87,416.77
152	$87,416.77	$437.08	$200.00	$88,053.85
153	$88,053.85	$440.27	$200.00	$88,694.12
154	$88,694.12	$443.47	$200.00	$89,337.59
155	$89,337.59	$446.69	$200.00	$89,984.28
156	$89,984.28	$449.92	$200.00	$90,634.20
Year 13 End
157	$90,634.20	$453.17	$200.00	$91,287.37
158	$91,287.37	$456.44	$200.00	$91,943.81
159	$91,943.81	$459.72	$200.00	$92,603.53
160	$92,603.53	$463.02	$200.00	$93,266.54
161	$93,266.54	$466.33	$200.00	$93,932.88
162	$93,932.88	$469.66	$200.00	$94,602.54
163	$94,602.54	$473.01	$200.00	$95,275.55
164	$95,275.55	$476.38	$200.00	$95,951.93
165	$95,951.93	$479.76	$200.00	$96,631.69
166	$96,631.69	$483.16	$200.00	$97,314.85
167	$97,314.85	$486.57	$200.00	$98,001.42
168	$98,001.42	$490.01	$200.00	$98,691.43
Year 14 End
169	$98,691.43	$493.46	$200.00	$99,384.89
170	$99,384.89	$496.92	$200.00	$100,081.81
171	$100,081.81	$500.41	$200.00	$100,782.22
172	$100,782.22	$503.91	$200.00	$101,486.13
173	$101,486.13	$507.43	$200.00	$102,193.56
174	$102,193.56	$510.97	$200.00	$102,904.53
175	$102,904.53	$514.52	$200.00	$103,619.05
176	$103,619.05	$518.10	$200.00	$104,337.15
177	$104,337.15	$521.69	$200.00	$105,058.83
178	$105,058.83	$525.29	$200.00	$105,784.13
179	$105,784.13	$528.92	$200.00	$106,513.05
180	$106,513.05	$532.57	$200.00	$107,245.61
Year 15 End

Input parameters

Starting Amount: The amount available at the beginning of the calculation.
After: The investment horizon in years.
Return Rate: Expected annual rate of return.
Compound: How often interest is added to the balance.
Additional Contribution: Recurring amount added during the projection.
Your Target: Desired ending account value.
Contribute at the: Whether contributions occur at the beginning or end of a period.

Understanding the results

Future value: Projected ending balance.
Contributions: Total principal added over time.
Investment return: Growth above contributed principal.
Required input: The rate, time, principal, or contribution needed to reach a target.

Calculation principle

The future value of the starting balance is combined with the future value of recurring contributions at the selected compounding frequency.

Read and validate the entered values.
Convert percentages and time periods into compatible units.
Apply the formulas below and present the calculated results.

Formulas

Future value FV = PV(1 + r)^n + PMT × ((1 + r)^n − 1) / r

Beginning-period adjustment FV_begin = FV_annuity × (1 + r)

Symbols refer to the corresponding input and result labels shown above.

How to use this calculator

Enter your figures, choose any available options, and select Calculate. You can change the inputs as often as you like to compare scenarios.

Planning note

Results are estimates for education and planning. Taxes, lender rules, fees, and investment returns can vary, so verify important decisions with a qualified professional.