Free Online Investment Calculator
Calculate investment growth, compound interest, recurring contributions, and inflation-adjusted future portfolio value with complete annual schedules.
2.83x total wealth multiple over 20 years @ 8.5% p.a.
Pure compound interest accounts for 64.7% of your final portfolio. Your money is now working significantly harder than your original savings contributions!
Total Outlay & Growth Distribution
Investment Growth & Milestone Schedule
Inspect how principal, deposits, and compound returns accumulate period by period.
| Year | Starting Balance | Deposits | Interest Earned | Ending Balance | Total Invested | Total Compound Ret. | Real Value |
|---|---|---|---|---|---|---|---|
| Yr 1 (2026) | $10,000 | +$6,000 | +$1,123 | $17,123 | $16,000 | $1,123 | $16,706 |
| Yr 2 (2027) | $17,123 | +$6,000 | +$1,753 | $24,876 | $22,000 | $2,876 | $23,677 |
| Yr 3 (2028) | $24,876 | +$6,000 | +$2,438 | $33,314 | $28,000 | $5,314 | $30,936 |
| Yr 4 (2029) | $33,314 | +$6,000 | +$3,184 | $42,498 | $34,000 | $8,498 | $38,501 |
| Yr 5 (2030) | $42,498 | +$6,000 | +$3,996 | $52,494 | $40,000 | $12,494 | $46,397 |
| Yr 6 (2031) | $52,494 | +$6,000 | +$4,879 | $63,374 | $46,000 | $17,374 | $54,647 |
| Yr 7 (2032) | $63,374 | +$6,000 | +$5,841 | $75,215 | $52,000 | $23,215 | $63,275 |
| Yr 8 (2033) | $75,215 | +$6,000 | +$6,888 | $88,102 | $58,000 | $30,102 | $72,310 |
| Yr 9 (2034) | $88,102 | +$6,000 | +$8,027 | $102,129 | $64,000 | $38,129 | $81,778 |
| Yr 10 (2035) | $102,129 | +$6,000 | +$9,267 | $117,396 | $70,000 | $47,396 | $91,709 |
| Yr 11 (2036) | $117,396 | +$6,000 | +$10,616 | $134,012 | $76,000 | $58,012 | $102,136 |
| Yr 12 (2037) | $134,012 | +$6,000 | +$12,085 | $152,097 | $82,000 | $70,097 | $113,092 |
| Yr 13 (2038) | $152,097 | +$6,000 | +$13,683 | $171,780 | $88,000 | $83,780 | $124,613 |
| Yr 14 (2039) | $171,780 | +$6,000 | +$15,423 | $193,203 | $94,000 | $99,203 | $136,735 |
| Yr 15 (2040) | $193,203 | +$6,000 | +$17,317 | $216,520 | $100,000 | $116,520 | $149,499 |
| Yr 16 (2041) | $216,520 | +$6,000 | +$19,378 | $241,897 | $106,000 | $135,897 | $162,948 |
| Yr 17 (2042) | $241,897 | +$6,000 | +$21,621 | $269,518 | $112,000 | $157,518 | $177,126 |
| Yr 18 (2043) | $269,518 | +$6,000 | +$24,062 | $299,581 | $118,000 | $181,581 | $192,081 |
| Yr 19 (2044) | $299,581 | +$6,000 | +$26,720 | $332,300 | $124,000 | $208,300 | $207,863 |
| Yr 20 (2045) | $332,300 | +$6,000 | +$29,612 | $367,912 | $130,000 | $237,912 | $224,526 |
How to use
- 1Select an investment preset (e.g., S&P 500, Dividend Growth, Retirement Builder) or enter your custom parameters.
- 2Set your starting principal, additional recurring contribution amount, deposit frequency, and payment timing.
- 3Specify your expected annual rate of return, investment horizon in years or months, and preferred compounding frequency.
- 4Optionally expand Advanced Options to configure an annual contribution step-up percentage and expected inflation rate.
Privacy: Client-side privacy. Your investment amounts, contribution schedules, and wealth projections are calculated exclusively in your browser session and never sent to external servers or financial marketers.
Want the details? Compound interest in numbers: what time, rate and compounding frequency really do to ₹10,000 a month