finance ToolUpdated 2026-09-19
Investment Calculator
Estimate your future portfolio balance and see how disciplined investing compounds wealth across decades.
Financial & Loan Estimation Notice: Calculations provided are estimates for personal educational planning. Actual loan terms, payment amounts, taxes, and interest charges will vary based on lender underwriting, individual creditworthiness, local statutory regulations, and market conditions.
Formula & Mathematical Methodology
Future Value of Annuity Formula
Compounds starting capital and ongoing contributions across the investment horizon.
How to Use This Investment Calculator
- Set starting balance, expected return, and monthly deposit amount.
Step-by-Step Worked Example
Scenario: $15,000 initial + $300/mo at 8% for 15 years
1. Total deposited: $69,000
2. Ending value: $151,887.89
3. Gain: $82,887.89
Final Calculated Result: $151,887.89
What Does Your Result Mean?
Reveals how time and regular contributions multiply returns over standard inflation rates.
Common Practical Applications:
- Stock market investing
- Real estate investment trusts
- Mutual fund planning
Important Limitations & Assumptions:
- Past stock performance does not guarantee future financial returns.
Frequently Asked Questions
What is an average stock market return?
Historically, the S&P 500 has averaged approximately 10% annual nominal return before inflation adjustments.
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