The amount you are starting with today

Added each month, every month

Assumed average annual return

Years until the funds are needed

Projected Portfolio Value
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Total Value
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Total Contributed
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Growth
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What This Means

Enter values above to see a projection.

Educational calculator. Uses a fixed annual rate of return compounded monthly. Actual investment results vary and are not guaranteed. Not personalized financial advice.

About this calculator.

This tool projects the future value of a portfolio that receives an initial lump-sum contribution and regular monthly contributions, compounded at a fixed assumed annual rate of return. It shows the mathematical effect of time, discipline, and compounding on a long-horizon investment.

A few notes on how to use it well. The rate of return is a general assumption, and actual returns on any specific investment vary, sometimes by a lot. Longer horizons of twenty to forty years tend to show the power of compounding most clearly. The calculator does not account for inflation, taxes, fees, or sequence-of-returns risk, all of which matter in real planning.