Savings & Investing

Simple Investment Calculator

Solve for future account value, starting investment, annual return, investment period, or recurring contribution. The calculation combines compound growth with deposits at the selected contribution and compounding frequencies.

Investment

Number of Years

Interest Rate

Compound

Contributions

Frequency

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FUTURE ACCOUNT VALUE

$34,186.76

Input parameters

Investment: Initial amount invested.
Investment Amount: Initial contribution when solving another variable.
Number of Years: Investment duration.
Interest Rate: Expected annual return.
Compound: How often interest is added to the balance.
Contributions: Recurring contribution amount.
Frequency: How often contributions are made.
Future Account Value: Target or calculated ending balance.

Understanding the results

Future account value: Projected ending investment balance.
Investment amount: Starting principal required for a target.
Required return or time: Rate or years needed to reach the target.
Contributions and growth: Breakdown of deposits and earnings.

Calculation principle

Compound growth of the initial investment is combined with the future value of recurring contributions; inverse cases solve the same relationship for an unknown.

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

Required principal PV = (FV − FV of contributions) / (1 + r)^n

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.