See what a lump sum plus ongoing monthly contributions will grow to over time, at a given annual rate of return.
Calculated on your device. Nothing is uploaded or stored on a server.
Enter a starting lump sum (use 0 if you're starting from scratch), how much you'll add every month, an expected annual rate of return, and how many years you plan to invest. The calculator projects the ending balance assuming monthly compounding.
The calculator grows your starting lump sum with compound interest, then adds the future value of your monthly contributions as an ordinary annuity (contributions made at the end of each month). Both pieces use the same monthly rate, equal to your annual rate divided by 12.
Regular monthly contributions, even modest ones, can outgrow a larger one-time deposit over long horizons thanks to compounding.
This tool assumes a constant annual return for simplicity. Real investments fluctuate year to year, so treat the result as an estimate, not a promise.
Common questions, answered.
The calculator compounds your starting lump sum monthly at your annual rate divided by 12, then adds the future value of your monthly contributions using the ordinary annuity formula, assuming each contribution is made at the end of the month.
A common planning assumption for diversified stock investments is 6–10% annually, though actual returns vary widely and aren't guaranteed. Use a conservative rate if you want a cautious estimate.
No. The result is a nominal future value before taxes and inflation. Subtract an estimated inflation rate from your return rate to see a rough real (inflation-adjusted) value instead.
Enter 0 for the monthly contribution and the calculator will show pure compound growth on your starting lump sum only.