Investment Growth
Project the future value of a lump sum plus monthly contributions.
About Investment Growth
Investment growth combines a starting lump sum with regular contributions, each compounding at the assumed monthly rate. Contributions plus growth then give the final projected portfolio value. Steady contributions and time in the market do far more for long-run growth than timing entries into the market.
Formula
Investment Growth
FV = P(1+m)^n + PMT x ((1+m)^n - 1)/m
- P
- initial lump sum
- PMT
- monthly contribution
- m
- monthly rate
- n
- months
Worked example
With the default values below, Investment Growth returns Future Value of $248,758.05. Change any input above and every figure here is recalculated in your browser.
Inputs used
- Initial contribution
- 10,000
- Monthly contribution
- 400
- Annual returnaccepts 0–100 %
- 7 %
- Yearsminimum 0
- 20
Results
- Future Value
- $248,758.05
- Total Contributed
- $106,000.00
- Investment Gain
- $142,758.05
Step by step
- 1Values used
- 2Investment Growth
- 3Future Value= 248,758.05
- 4Total Contributed= 106,000.00
- 5Investment Gain= 142,758.05
Assumptions and limits
- The result is derived only from the 4 inputs listed above. Anything not among them is not part of the calculation.
- In particular, this calculator does not take inflation, tax or fees or charges into account.
- Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
- This is an estimate for general information and not professional financial, tax or legal advice. See the full disclaimer for the limits that apply to this kind of calculator.
How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.
Frequently Asked Questions
How is Investment Growth calculated?
FV = P(1+m)^n + PMT x ((1+m)^n - 1)/m Investment growth combines a starting lump sum with regular contributions, each compounding at the assumed monthly rate. Contributions plus growth then give the final projected portfolio value.
Why does Investment Growth matter?
Steady contributions and time in the market do far more for long-run growth than timing entries into the market.
What values do I need to enter?
This calculator takes 4 inputs: Initial contribution, 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.