Investment calculator
Project how a starting balance and recurring monthly investments could compound over time. Separate your own contributions from modeled investment growth and view an inflation-adjusted ending value.
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The starting investment is present from the beginning. Each monthly contribution is added at the start of the modeled month, then the portfolio grows using an equivalent monthly factor derived from the gross annual return and annual fee assumptions.
The inflation-adjusted ending value discounts the nominal projection using the constant annual inflation assumption entered above. It is a simplified purchasing-power illustration, not a forecast of inflation or investment returns.
What the calculator separates
The calculator tracks how much money you contribute and how much of the projected ending value comes from the return assumption after the modeled annual fund fee.
starting investment + monthly contribution × number of months
(1 + gross return) × (1 − annual fee)
monthly contribution added at the start of each modeled month
nominal ending value ÷ (1 + inflation)^years
Recurring investing
This calculator assumes new money is contributed month by month. It does not assume that the full future contribution amount is sitting in cash from day one.
If you already have a fixed amount available and want to compare investing it immediately with deliberately spreading it over time, use the Lump Sum vs DCA Calculator.
Inflation
The headline ending value is nominal. The inflation-adjusted result discounts that projection using the constant inflation assumption you enter so you can see an approximate value in today's purchasing-power terms.
Frequently asked questions
This model adds each monthly contribution at the start of the modeled month before applying that month's growth factor.
The return input is treated as a gross total-return assumption. Do not add a separate dividend yield unless you intentionally want to model a different assumption.
Yes. The annual return is treated as gross before the annual fund-fee input. The model combines the return and fee factors before converting them to a monthly factor.
It discounts the nominal projected ending value using the constant annual inflation assumption. It is a simplified purchasing-power comparison, not a prediction of future inflation.
Yes. Current assumptions are stored in the URL so the Copy share link button can reopen the same scenario while the canonical SEO URL stays clean.