See how a starting amount plus regular contributions can grow with compound interest over time.
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Figures assume a constant return and steady contributions for the full term. Real investment returns fluctuate and are not guaranteed. For illustration only, not financial advice.
An investment growth calculator is a free online tool that shows how your money can grow over time through compound interest. By entering a starting amount, a regular contribution, an expected rate of return and a time horizon, you instantly see your projected end balance — broken down into how much you invested and how much you earned in interest.
It answers one of the most important questions in personal finance: “How much will my investment be worth in the future?” ProfitValue’s calculator also reveals the exact moment compounding takes over, when your interest starts out-earning your own contributions.
The calculator uses the compound interest formula and adds your regular deposits at your chosen frequency:
Your initial lump sum begins compounding from day one.
Monthly or yearly deposits are added at the start or end of each period.
Interest is calculated on your balance — then earns interest itself, again and again.
The longer you stay invested, the more dramatic the growth curve becomes.
The magic of compounding: because you earn returns on your previous returns, growth accelerates the longer you leave money invested. A few extra years can add far more than a few extra dollars per month.
Watch how starting amount, contributions and interest stack up so you truly understand where your future wealth comes from.
Reverse-engineer how much to invest each month to reach a target — a home deposit, education fund or early retirement.
Test different rates, timeframes and contribution amounts side by side to find the plan that fits your budget.
Seeing a large future balance makes it far easier to keep investing consistently through market ups and downs.
Investment growth is calculated using compound interest. Your balance earns a return each period, that return is added to the balance, and the larger balance then earns even more the next period. Regular contributions are added on top, accelerating the effect over time.
A diversified long-term stock portfolio has historically returned roughly 7%–10% before inflation, while bonds and savings accounts return less. Choose a rate that reflects your investments, and consider running a conservative and an optimistic scenario.
Yes, but modestly. Monthly compounding grows a little faster than annual compounding at the same rate. The far bigger levers are your rate of return, how much you contribute and how long you stay invested.
Contributing at the beginning of each period gives your money slightly more time to compound, so it produces a marginally higher balance. The calculator lets you compare both options.
No. It shows nominal growth before inflation and taxes, so your real spending power will be lower. Use it to compare scenarios, and speak to a financial professional for a personalized, after-tax plan.
Use ProfitValue’s free calculators and expert guides to make smarter, data-driven money decisions.
This calculator and article are for general educational purposes only and do not constitute financial or investment advice. Investment returns are not guaranteed and your capital may be at risk. Consult a qualified professional before investing.
