Investment Return Calculator
Project investment growth with regular deposits and explicit contribution timing.
Your results
- Final value
- $343,778.24
- Total contributions
- $130,000.00
- Total earnings
- $213,778.24
Calculations run in your browser. Results are estimates where described below.
View full calculation schedule (20 rows)
| year | balance | deposited | earnings |
|---|---|---|---|
| 1 | 17,054.96 | 16,000 | 1,054.96 |
| 2 | 24,695.47 | 22,000 | 2,695.47 |
| 3 | 32,970.15 | 28,000 | 4,970.15 |
| 4 | 41,931.62 | 34,000 | 7,931.62 |
| 5 | 51,636.89 | 40,000 | 11,636.89 |
| 6 | 62,147.68 | 46,000 | 16,147.68 |
| 7 | 73,530.87 | 52,000 | 21,530.87 |
| 8 | 85,858.86 | 58,000 | 27,858.86 |
| 9 | 99,210.07 | 64,000 | 35,210.07 |
| 10 | 113,669.42 | 70,000 | 43,669.42 |
| 11 | 129,328.89 | 76,000 | 53,328.89 |
| 12 | 146,288.09 | 82,000 | 64,288.09 |
| 13 | 164,654.89 | 88,000 | 76,654.89 |
| 14 | 184,546.13 | 94,000 | 90,546.13 |
| 15 | 206,088.33 | 100,000 | 106,088.33 |
| 16 | 229,418.52 | 106,000 | 123,418.52 |
| 17 | 254,685.1 | 112,000 | 142,685.1 |
| 18 | 282,048.81 | 118,000 | 164,048.81 |
| 19 | 311,683.68 | 124,000 | 187,683.68 |
| 20 | 343,778.24 | 130,000 | 213,778.24 |
How the calculation works
Month-end: next balance = balance × (1 + r) + deposit. Month-start: next balance = (balance + deposit) × (1 + r). Monthly r = nominal annual rate ÷ 12.
Worked example
1,000 initially plus 100 each month for one year at 0% ends at 2,200.
Assumptions and limits
A constant nominal return compounded monthly, before taxes, fees and inflation. Not a prediction or guaranteed investment return.