Free Investment Calculator
Estimate Your Investment Growth with Ease
The Investment Calculator helps you estimate the future value of your lump sum investment. By entering the investment amount, expected annual return rate, and the investment duration, this tool shows you how your money grows over time. Whether you're saving for retirement, education, or long-term wealth, this calculator offers valuable insights into your financial goals. It helps you understand the power of compounding and enables better decision-making for your future investments. Start planning today and see how small changes can lead to big financial growth.
Investment Calculator
Estimate Your Future Investment Growth with Ease
Calculation Results
End Balance
$0.00
Total Invested
$0.00
Total Interest
$0.00
Investment Return Calculator Guide
The Formulas We Use
Net Gain = (Ending Value + Income - Fees) - Beginning ValueTotal Return % = Net Gain ÷ Beginning Value × 100%Years = Holding Days ÷ 365(or exact years if known)CAGR % = ((Ending Value + Income - Fees) ÷ Beginning Value)^(1 ÷ Years) - 1then × 100%Annualized Return % = (1 + Total Return)^(1 ÷ Years) - 1then × 100% (when you only have point-to-point)- Assumes all
Incomeis reinvested. For irregular cash flows, use XIRR instead.
Example Calculation
- Net Gain = (31,200 + 600 - 150) - 25,000 = $6,650
- Total Return % = 6,650 ÷ 25,000 × 100% = 26.6%
- CAGR % = ((31,200 + 600 - 150) ÷ 25,000)^(1 ÷ 2.5) - 1 ≈ 9.66%
- Annualized Return ≈ 9.66% (matches CAGR for point-to-point with reinvested income)
How to Use This Calculator
- Enter Beginning Value, Ending Value, Income received, and Fees paid.
- Provide the holding period in years or days.
- See Net Gain, Total Return %, and CAGR or Annualized Return %.
- For multiple cash flows, switch to XIRR to reflect exact timing.
Tips for Measuring Returns
- Include all cash items: Count dividends, interest, bonuses, and fees.
- Match units: If days are used, convert to years consistently.
- Compare apples to apples: Use CAGR to compare across different horizons.
- Mind taxes: Post tax returns can be lower than headline numbers.
This is educational content, not financial advice.
Benefits of Using
Investment Return Calculator
Instant Investment Planning
Quickly calculate the future value of your lump sum investment.
Track Growth Over Time
Visualize how your investment grows over different time periods.
Customizable Inputs
Adjust principal amount, return rate, and duration for precise results.
Easy Decision-Making
Compare different investment scenarios and make informed decisions.
Mobile-Friendly
Fully optimized for any device, with no loss in functionality.
Safe & Private
Your data is not stored or shared; all calculations are done locally.
Frequently Asked Questions
What is an Investment Calculator?
This calculator estimates the future value of a one time investment, considering factors like expected returns, duration, and additional contributions.
How do I calculate my returns?
Simply enter the starting amount, expected annual return rate, investment duration, and any additional contributions to see your projected return value.
Does it include compounding?
Yes, the calculator automatically factors in compounding based on the frequency you choose (annually, quarterly, or monthly) to give accurate future value estimates.
Can I adjust the interest rate and other parameters?
Absolutely! You can adjust the return rate, contribution frequency, and investment duration to compare different investment scenarios and plan accordingly.
Is this suitable for beginners?
Yes! The calculator is designed with a simple and intuitive interface, making it easy for both beginners and experienced investors to use.
Is my data secure?
Yes, all calculations are done locally in your browser. Your data is never stored or shared, ensuring your privacy.