Investment Calculator
Project an investment over time with starting capital + monthly contributions. Adjust the expected return to see how rate sensitivity dominates everything else.
Results
Projected value
$0
Initial
$0
Contributions
$0
Growth
$0
Total return
—
Money you put in
Investment growth
Real vs nominal return
The number on your investment statement is the nominal return. To know what your future balance will actually buy, subtract inflation. If you expect 8% nominal returns and 3% inflation, your real return is about 5%. Plug 5 into the rate field above to see your projected balance in today's dollars.
The formula (with contributions)
FV = P(1+r/n)nt + C · [((1+r/n)nt − 1) / (r/n)]
The first term is your initial investment compounding. The second is the future value of the annuity (your contributions).