📈 Investing & Wealth

Investment Return Calculator

Enter your starting balance, monthly contributions, and expected annual return to see exactly how your investments will grow over time — with full compound interest math built in.

📖 Full Investing Guide🏖️ Retirement Calculator📊 Compound Interest

Your Investment Details

Enter your numbers to project your portfolio growth.

$
How much you are investing today.
$
Additional amount added to your investment each month.
%
Years
How long will you keep your money invested?
Final Portfolio Value
$0

Enter your details and click Calculate.

Investment Breakdown

Portfolio Growth Over Time

Contributions Returns
💡
The earlier you start investing, the more compound interest does the heavy lifting. Starting 10 years earlier can more than double your final portfolio value!

How We Calculate Your Investment Returns

This calculator uses the standard Future Value of a mixed investment formula, combining your lump-sum principal with regular monthly contributions, both growing at your chosen compound annual return rate.

Monthly Rate (r)= Annual Return % ÷ 12
Total Months (n)= Years × 12
FV (Principal)= P × (1 + r)^n
FV (Contributions)= PMT × [((1 + r)^n - 1) / r]
Total Portfolio= FV (Principal) + FV (Contributions)

Note: Returns are compounded monthly. The inflation-adjusted value assumes 3% average annual inflation applied to your nominal final value.

Sarah Collins, CFP®

Reviewed by Sarah Collins, CFP®

Sarah is a Certified Financial Planner with over 10 years of experience helping families optimize their debt, savings, and investments. All MintlyHub calculators and guides are reviewed by our financial team for mathematical accuracy and fiduciary integrity.

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