How to use Investment Return Calculator

1. Prepare the required inputs

Project investment growth with regular deposits and explicit contribution timing. Use the units and options beside each field. Results update as inputs change; reset returns to example inputs.

Initial investment: minimum 0, maximum 1000000000000
Monthly contribution: minimum 0, maximum 1000000000000
Nominal annual return (%): minimum -100, maximum 100
Investment term (years): minimum 1, maximum 50
Monthly deposit timing: End of month / Beginning of month

2. Try a worked example

1,000 initially plus 100 each month for one year at 0% ends at 2,200.

3. Understand the calculation

Month-end: next balance = balance × (1 + r) + deposit. Month-start: next balance = (balance + deposit) × (1 + r). Monthly r = nominal annual rate ÷ 12.

4. Read the assumptions

A constant nominal return compounded monthly, before taxes, fees and inflation. Not a prediction or guaranteed investment return.

5. Check and compare results

Match entered values to their labels and units. Review output labels alongside the assumptions, then change one input at a time. A currency selector changes display labels without converting amounts. Use the available save or copy actions and retain the input values so the estimate can be reproduced.

6. Fix an invalid input

Complete required fields and respect the listed bounds. Check date order, age relationships and mode-specific requirements where relevant; the error message identifies invalid combinations. Reset to example inputs to recover. A valid calculation applies to its stated model and does not verify a real-world outcome.