Investment Return Calculator
Project your investment growth with annual returns and regular contributions.
Project your investment growth with annual returns and regular contributions.
Final Portfolio Value
$716,117
Total Invested
$265,000
Total Returns
$451,117
| Year | Invested | Returns | Balance |
|---|---|---|---|
| 1 | $37,000 | $2,608 | $39,608 |
| 2 | $49,000 | $6,428 | $55,428 |
| 3 | $61,000 | $11,562 | $72,562 |
| 4 | $73,000 | $18,117 | $91,117 |
| 5 | $85,000 | $26,213 | $111,213 |
| 6 | $97,000 | $35,976 | $132,976 |
| 7 | $109,000 | $47,546 | $156,546 |
| 8 | $121,000 | $61,072 | $182,072 |
| 9 | $133,000 | $76,717 | $209,717 |
| 10 | $145,000 | $94,657 | $239,657 |
| 11 | $157,000 | $115,081 | $272,081 |
| 12 | $169,000 | $138,197 | $307,197 |
| 13 | $181,000 | $164,227 | $345,227 |
| 14 | $193,000 | $193,413 | $386,413 |
| 15 | $205,000 | $226,018 | $431,018 |
| 16 | $217,000 | $262,325 | $479,325 |
| 17 | $229,000 | $302,642 | $531,642 |
| 18 | $241,000 | $347,301 | $588,301 |
| 19 | $253,000 | $396,663 | $649,663 |
| 20 | $265,000 | $451,117 | $716,117 |
An investment return calculator projects how your portfolio will grow over time based on an initial investment, regular contributions, and an expected annual rate of return. It uses compound growth to show how your money accumulates, separating your total contributions from investment gains so you can see exactly how much your money is working for you.
Formula
FV = PV × (1+r)^n + PMT × [((1+r)^n - 1) / r]
Where FV = future value, PV = initial investment, r = periodic rate of return, n = number of periods, and PMT = periodic contribution.
The percentage gain or loss on an investment over a period. Historical average annual returns: S&P 500 ~10%, bonds ~5%, savings accounts ~2-4%. Past performance doesn't guarantee future results.
Investing a fixed amount at regular intervals regardless of market conditions. This strategy reduces the impact of volatility by buying more shares when prices are low and fewer when prices are high.
How you divide your investments among different asset classes (stocks, bonds, real estate, cash). Your allocation should reflect your risk tolerance, time horizon, and financial goals.
The complete return on an investment including capital gains (price appreciation) and income (dividends, interest). Always evaluate investments based on total return, not just price changes.
David invests $15,000 initially and adds $1,000/month into a diversified portfolio expecting 8% annual returns over 25 years.
Result: After 25 years, David's portfolio grows to approximately $951,000. His $315,000 in contributions generated $636,000 in investment returns — more than double his total contributions. If David started just 5 years earlier (30-year horizon), the portfolio would reach $1,497,000.
Fact-Checked — All content is reviewed for accuracy against authoritative sources including IRS.gov, Federal Reserve data, and established financial research.
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