How this calculator works
This calculator estimates future investment value with monthly contributions and compound growth. Enter the initial investment, monthly contribution, annual return rate, and time in years to see the projected future value. Use it for long-term savings planning, comparing investment assumptions, and understanding how compound interest builds wealth over time. The key inputs are initial investment, monthly contribution, annual return rate, and investment years. The output is the future value, total contributions, and total interest earned. Real-world applications include retirement savings, investment portfolio planning, education fund planning, and financial goal setting. The calculator applies monthly compounding to the initial investment and monthly contributions using the annual return converted to a monthly rate. It does not include taxes, advisory fees, fund expenses, or trading costs. Actual investment returns can vary year to year, so treat this as a scenario estimate.