Project what steady monthly investing grows into over the years.
Regular contributions compound through the annuity formula, and growth earnings are the part of the total that came from returns. Time in the market, not timing, is what does most of the work, so automated recurring contributions capture the best average return.
Investment Contribution
FV = contribution x ((1+i)^n - 1)/i; earnings = FV - contributed
FV = contribution x ((1+i)^n - 1)/i; earnings = FV - contributed Regular contributions compound through the annuity formula, and growth earnings are the part of the total that came from returns.
Time in the market, not timing, is what does most of the work, so automated recurring contributions capture the best average return.
This calculator takes 3 inputs: Monthly contribution, Annual return, Years. The pre-filled defaults are a realistic starting point — replace them with figures from your own environment for a result you can act on.