SMART CALCULATOR / PLAN WITH CONFIDENCE

Investment Return Calculator

Estimate the future value and gain of a lump sum with optional recurring contributions.

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Calculation path

The initial amount compounds for the full period while each monthly contribution compounds for the months remaining after it is added.

Calculation path

Future value = initial investment x growth + monthly contribution x annuity growth factor.

What you provide

Initial investment: Amount invested at the start.
Monthly contribution: Amount added at the end of each month.
Expected annual return: Planning assumption, not a promise.
Investment period: Years invested. Enter a whole-number value for this planning input.

What you receive

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Returns, taxes, inflation, fees, and market losses are not forecast.

Results are estimates for planning. Confirm rates, rules, and source documents before making a financial, health, or purchase decision.

Reviewed reference factors