Scenario 1
Retirement investment
$10,000 starting + $5,000/year at 8% for 25 years → $448,000. Contributed $135,000, earned $313,000 in returns.
Trusted by freelancers and business owners
Investment Calculator
See exactly what your investments could be worth — and what they need to reach your goal.
Adjust your inputs
Results update instantly as you type or drag.
0 – 10,000,000
$
0.1 – 30
%
Historical S&P 500 average is ~7–10%
0 – 500,000
$
1 – 50
Quick insights
Total contributed
$135,000
Investment returns
$299,014
Quick answer
How do you calculate investment returns?
Future Value = P×(1+r)^t + C×((1+r)^t − 1)/r, where P is principal, r is annual return, t is years, and C is annual contribution.
How it works
From inputs to result in four steps
A quick walkthrough of what this calculator does behind the scenes.
- 1
Enter your starting investment.
- 2
Set your expected annual return.
- 3
Add annual contributions if applicable.
- 4
Set the time horizon in years.
Formula
The math behind the number
No black box — here's exactly how the result is computed.
Formula
FV = P × (1 + r)^t + C × ((1 + r)^t − 1) / r
P = principal
r = annual return rate (decimal)
t = years
C = annual contributionExamples
Real-world scenarios
See how the numbers play out for typical use cases.
Scenario 2
10-year growth
$50,000 at 7% for 10 years with no contributions → $98,358. Money nearly doubled.
Related
Pair this with
Other calculators that work well alongside this one.
Finance
Compound Interest Calculator
Calculate how your money grows with compound interest — including regular monthly contributions.
Open calculatorFinance
Savings Calculator
Calculate how much your savings will grow over time with regular deposits and compound interest.
Open calculatorFinance
Retirement Calculator
Calculate how much you need to save for retirement and whether you're on track to reach your goal.
Open calculator