Investment Calculator
Calculate growth with the Investment. Enter principal, rate, compounding frequency, and time to see total balance, interest earned, and year-by-year
Reviewed by Sahil, Senior Finance & Tax Editor · Editorial policy
Investment Calculator Formula
FV = P(1+r)^n + C×((1+r)^n - 1)/r
P = principal, r = annual return rate, n = years, C = annual contribution. Compound growth means returns generate further returns each period.
Investment Calculator — Worked Examples
Example 1: $10,000 lump sum at 7% for 30 years
Problem:Initial: $10,000, annual return: 7%, years: 30, annual contribution: $0
Solution:FV = $10,000 × (1.07)^30 = $10,000 × 7.6123
Result:$76,123 | Total invested: $10,000 | Gain: $66,123 | ROI: 661.2%
Example 2: $500/month ($6,000/year) for 20 years at 8%
Problem:Initial: $0, annual return: 8%, years: 20, annual contribution: $6,000
Solution:FV = $0 + $6,000 × ((1.08)^20 - 1) / 0.08 = $6,000 × ((4.6610 - 1) / 0.08) = $6,000 × 45.762
Result:$274,572 | Total invested: $120,000 | Gain: $154,572 | ROI: 128.8%