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Finance

Investment calculator

Enter what you invest now, how much you add every month, the expected yearly return and the fees. You see what the investment could be worth, how much of it is your money and how much is growth, and what it means in today’s money after inflation.

Final value
100,745 $
You put in
53,000 $
Growth
47,745 $
In today’s money
61,482 $
1: You put in 7,400 $, Growth 346 $12: You put in 9,800 $, Growth 843 $3: You put in 12,200 $, Growth 1,499 $4: You put in 14,600 $, Growth 2,323 $5: You put in 17,000 $, Growth 3,325 $56: You put in 19,400 $, Growth 4,514 $7: You put in 21,800 $, Growth 5,900 $8: You put in 24,200 $, Growth 7,495 $9: You put in 26,600 $, Growth 9,309 $10: You put in 29,000 $, Growth 11,355 $1011: You put in 31,400 $, Growth 13,645 $12: You put in 33,800 $, Growth 16,193 $13: You put in 36,200 $, Growth 19,014 $14: You put in 38,600 $, Growth 22,122 $15: You put in 41,000 $, Growth 25,532 $1516: You put in 43,400 $, Growth 29,262 $17: You put in 45,800 $, Growth 33,330 $18: You put in 48,200 $, Growth 37,753 $19: You put in 50,600 $, Growth 42,551 $20: You put in 53,000 $, Growth 47,745 $20
You put inGrowth

How much to invest for a goal

Invest every month
198 $
YearYou put inGrowthFinal valueIn today’s money
17,400 $346 $7,746 $7,557 $
29,800 $843 $10,643 $10,130 $
312,200 $1,499 $13,699 $12,721 $
414,600 $2,323 $16,923 $15,332 $
517,000 $3,325 $20,325 $17,965 $
619,400 $4,514 $23,914 $20,621 $
721,800 $5,900 $27,700 $23,303 $
824,200 $7,495 $31,695 $26,013 $
926,600 $9,309 $35,909 $28,753 $
1029,000 $11,355 $40,355 $31,525 $
1131,400 $13,645 $45,045 $34,331 $
1233,800 $16,193 $49,993 $37,173 $

The result is an estimate for orientation, not financial advice or an offer. Actual terms are set by your bank or provider.

How we calculate

Money is compounded monthly. The monthly rate is (1 + (return − fee))^(1/12) − 1; each month’s contribution is added at the start of the month and then grows.

Value in today’s money = final value ÷ (1 + inflation)^years. The “how much to invest” mode solves the same formula for the monthly amount.

The return is an assumption, not a promise. Past returns do not guarantee future ones, and investments can lose value.

Formulas and rates checked: 10/21/2026

Questions

What return should I enter?
Use a careful assumption for your type of investment and compare several. The calculator shows what follows from it; it does not predict markets.
Why do fees matter so much?
A fee is taken every year from the whole amount, so over decades a 1 % fee can take a large part of the growth. Try it with and without.
Does it include taxes?
No. Tax on investment gains differs by country and situation.