Investment Calculator
Simulate long-term investment performance. Calculate future portfolio value based on regular contributions and expected annual rate of return.
How to use the Investment Calculator
- 1Enter initial capital invested.
- 2Enter additional monthly or annual contributions.
- 3Enter estimated annual return percentage.
- 4Enter investment time horizon in years.
How Investment is Calculated
Computes future value of lump-sum principal and periodic annuity contributions compounded monthly.
P is starting capital, PMT is monthly addition, r is monthly return rate, and n is duration in months.
- 1Total Principal Invested = $10,000 + ($500 × 240) = $130,000
- 2Future Value = $341,921.84
- 3Capital Gains = $211,921.84
What affects Investment results
- Market volatility and sequential returns risk.
- Expense ratios and management fees.
Frequently Asked Questions
What is a realistic long-term stock market return expectation?
Historically, the S&P 500 has averaged approximately 9-10% annualized nominal returns before adjusting for inflation.
Are returns from this investment calculator guaranteed?
No, financial market returns fluctuate with market cycles. This calculator models mathematical projections based on your expected average annualized return rate.
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