ConvertOnlineInvestment Calculator with Recurring Contributions
Report source: https://convertonline.org/calculators/investment-calculator
Project how a starting investment and regular deposits could grow over time. Compare monthly or annual contributions and choose whether each deposit is made at the beginning or end of its period.
Private calculation. Your entries and results stay in this browser and are not uploaded to ConvertOnline.
Investment Calculator
Projected investment balance
Annual schedule
| Year | Age or phase | Salary | Starting balance | User contribution | Employer contribution | Withdrawals | Growth | Ending balance |
|---|
Investment Calculator formula
Each compounding-period rate equals the nominal annual return divided by the number of compounding periods. The equivalent monthly rate is applied before or after each contribution according to the selected timing.
The expected return is an assumption for comparison. Actual market returns vary and can be negative; they are not guaranteed or evenly distributed.
Assumptions and limitations
- The entered return is a nominal annual rate and remains constant for the projection.
- Contributions are made at the selected frequency and timing with no skipped deposits.
- Taxes, investment fees, trading costs, and withdrawals are excluded.
- Results are estimates and do not represent an investment recommendation or forecast.
Worked example
Example: $10,000 plus $500 each month
Start with $10,000, contribute $500 at the end of each month, and assume a 6% nominal annual return compounded monthly for 10 years.
The projection reaches about $100,133.64. Of that amount, $70,000 is the starting balance plus contributions and about $30,133.64 is estimated growth.
Frequently asked questions
What return should I enter?
Use a planning assumption that fits the investment and time horizon. Consider testing lower and higher rates because real returns change from year to year.
Why does contribution timing matter?
A beginning-of-period contribution is invested for one additional period, so it can earn slightly more growth than the same end-of-period contribution.
Does this calculator include taxes or fees?
No. Investment fees, taxes, and withdrawals can materially reduce the ending balance and should be considered separately.
This calculator provides an estimate for planning and education. Actual returns, rates, plan terms, taxes, fees, and future rules may differ.