Why Use This Investment Calculator
This investment calculator helps you visualize the power of compounding and make informed financial decisions. It’s ideal for:
- Retirement planning — project your savings over decades.
- Investment evaluation — compare different return scenarios.
- Goal setting — see what it takes to reach your target.
Our tool offers:
- 📈 Growth Projection — year-by-year breakdown of your investment value.
- 🧮 CAGR Calculation — see your annualized return rate.
- 📊 Breakdown of Contributions vs Returns — know how much came from your deposits versus market growth.
- 📜 Calculation History — save, review, and export past results to CSV or Excel.
- 🌍 170+ Currencies — auto‑formatted results in your local currency.
- 🔒 100% Private — all calculations run locally; your data never leaves your browser.
Investment Formula Used by This Tool
We use the standard compound interest formula with periodic contributions:
Future Value = P × (1 + r/n)^(nt) + PMT × [((1 + r/n)^(nt) - 1) / (r/n)]
Where:
- P = Initial Investment (lump sum)
- PMT = Monthly Contribution (0 if none)
- r = Annual Return Rate (as a decimal)
- n = Compounding Frequency per year
- t = Time in years
CAGR is calculated as: (Future Value / Initial Investment)^(1/t) − 1
How to Use This Tool
- Select your account currency from the picker in the site header.
- Enter your initial investment (lump sum).
- Set your monthly contribution (optional — leave at 0 if none).
- Enter the expected annual return rate.
- Choose your investment period in years.
- Select your compounding frequency.
- The tool updates instantly — you’ll see your future value, total contributions, total returns, and CAGR.
Frequently Asked Questions
What is an investment calculator?
An investment calculator projects the future value of your investments based on your initial lump sum, monthly contributions, expected return rate, and time horizon. It helps you plan for financial goals.
How is CAGR calculated?
CAGR (Compound Annual Growth Rate) is the annualized return of your investment. It’s calculated as (Ending Value / Beginning Value)^(1/n) − 1, where n is the number of years. It smooths out volatility to show a consistent annual growth rate.
What is a realistic expected annual return?
For stocks, historical averages are around 7-10% per year. Bonds typically yield 3-5%. Use conservative estimates for planning, and adjust based on your risk profile.
Can I use this calculator for SIP investments?
This calculator handles lump sum investments with optional monthly contributions. For pure SIP (regular monthly investments with no initial lump sum), we have a dedicated SIP Calculator.
Is my data stored anywhere?
No. All calculations run locally in your browser. History and presets are saved in your browser’s localStorage — nothing is sent to a server.