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Investment Calculator – Portfolio Growth Projection

Every investment decision — how much to contribute, what rate of return to target, how long to stay invested — shapes how much wealth you'll build. Seeing the actual numbers makes abstract concepts concrete: the difference between a 6% and 8% return over 30 years is enormous, and starting 5 years earlier can matter more than increasing contributions.

This calculator projects investment portfolio growth from any starting balance plus regular monthly contributions, at any expected annual return rate and time horizon. Results show year-by-year balance, cumulative contributions, and total investment gains.

How to use the Investment Calculator

Enter your starting investment balance (or $0 if starting fresh).

Enter your planned monthly contribution.

Set your expected annual return rate.

Enter the investment time horizon in years.

View projected portfolio value, contributions total, and investment gains.

Portfolio Growth: $10,000 Start + $500/Month
Years	5% Return	7% Return	9% Return	12% Return
10	$89,104	$100,896	$114,519	$141,867
20	$219,564	$286,286	$378,415	$582,454
30	$430,872	$650,000	$1,005,831	$2,026,007

Investment Calculator FAQ

What annual return should I use for stock market projections?

The U.S. S&P 500 has returned roughly 10% annually on average historically (before inflation), or about 7% in inflation-adjusted terms. Diversified global portfolios might use 6–8%. Conservative (bonds-heavy) portfolios often use 4–5%.

Is dollar-cost averaging better than lump-sum investing?

Mathematically, lump-sum investing outperforms DCA about two-thirds of the time because money is in the market longer. However, DCA (regular monthly contributions) is more practical and eliminates timing risk for most investors.

How do investment fees affect long-term returns?

Significantly. A 1% annual management fee on a $100,000 portfolio over 30 years at 7% gross growth reduces the final value from ~$761,000 to ~$574,000 — a difference of $187,000. Low-cost index funds (0.03–0.20% expense ratio) preserve far more of your returns.

What is diversification and why does it matter?

Spreading investments across asset classes (stocks, bonds, real estate), geographies (domestic, international), and sectors reduces the impact of any single investment's poor performance on the overall portfolio. Diversification is the only 'free lunch' in investing.