Planning Studio
Investment Growth Calculator
Adjust the assumptions below to see an illustrative projection of how a starting balance and ongoing contributions might grow over time.
Your assumptions
The amount you're starting with today.
Added at the end of each month.
Optional yearly raise to your monthly contribution.
A hypothetical average annual rate of return.
Set to $0 to skip. Added at the month below.
Projected results
- Future value (nominal)
- $281,775
- Future value (real, inflation-adjusted)
- $154,757
- Total contributions
- $130,000
- Total growth (nominal, net of fees)
- $151,775
- Total estimated fees
- $11,675
Growth over time
View year-by-year data table
| Year | Nominal balance | Real (inflation-adjusted) |
|---|---|---|
| 1 | $16,852 | $16,354 |
| 2 | $24,162 | $22,757 |
| 3 | $31,963 | $29,215 |
| 4 | $40,285 | $35,735 |
| 5 | $49,165 | $42,325 |
| 6 | $58,640 | $48,991 |
| 7 | $68,749 | $55,741 |
| 8 | $79,535 | $62,583 |
| 9 | $91,044 | $69,525 |
| 10 | $103,323 | $76,572 |
| 11 | $116,425 | $83,735 |
| 12 | $130,404 | $91,021 |
| 13 | $145,320 | $98,438 |
| 14 | $161,234 | $105,994 |
| 15 | $178,214 | $113,698 |
| 16 | $196,332 | $121,560 |
| 17 | $215,662 | $129,587 |
| 18 | $236,288 | $137,789 |
| 19 | $258,294 | $146,176 |
| 20 | $281,775 | $154,757 |
Illustrative only — not a guarantee
This tool produces an illustrative, hypothetical projection based entirely on the numbers you enter. It is not a guarantee or prediction of future results, and it is not personalized investment, tax, or legal advice. Every assumption shown here (contribution amount, assumed rate of return, inflation, fees, and time horizon) is fully editable and has not been validated against your actual financial circumstances, goals, or risk tolerance.
Dollar figures are nominal (not adjusted for inflation) unless a figure is explicitly labeled real / inflation-adjusted. Actual investment results will vary and may be significantly lower or higher than any figure shown here.
Results from this tool may vary with each use and over time: changing any input, or running this same tool again later as your numbers or the markets change, can produce a different outcome than the one shown here.