Solve for end balance, required return, starting amount or contribution on any investment.
Your future value is the growth of your initial investment plus the future value of each annual contribution, compounded at your expected annual return. Total return compares your ending balance to everything you put in.
Future value of lump sum
FV_P = P × (1 + r)ᵗ
Future value of annual contributions
FV_C = PMT × ((1 + r)ᵗ − 1) / r
Total return
Total Return % = (FV − Total Invested) / Total Invested × 100
Projections are estimates only and not investment advice. Investments can lose value.
Historically, a diversified stock portfolio has averaged roughly 7–10% annually before inflation, but past performance never guarantees future results.
No. Real returns are reduced by investment fees and taxes on gains, which vary by account type and jurisdiction.