Investment Calculator
Simulate long-term wealth accumulation with regular monthly contributions and market returns.
Projected Portfolio Value
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How to Project Investment Growth
- Enter your starting investment principal.
- Enter your expected annual return rate (ROI %).
- Set the investment horizon in years.
- View your projected capital gain and final balance.
Investment Growth & ROI Formula
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Future Value:
FV = PV × (1 + r)ᵗ -
Return on Investment (ROI):
ROI (%) = [(Final - Initial) / Initial] × 100
Portfolio Projection Example
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Initial:
$20,000at an average return of8% per yearfor15 years.Projected Balance = $63,443.38.Capital Gain = $43,443.38 (217% total ROI).
Common Applications
- Index fund (S&P 500) historical annualized return simulations.
- Real estate equity capital appreciation estimates.
- Small business investment feasibility analyses.
Assumptions & Rounding Policy
- Assumes steady annual compounded returns without market crashes or tax liabilities.
- Final values rounded to nearest dollar or cent.
Frequently Asked Questions
What is an average realistic stock market return?
Historically, broad market indices like the S&P 500 have averaged roughly 7%–10% annually before inflation adjustments.
Does this tool account for taxes and capital gains?
Projections are pre-tax. Consult a tax professional for jurisdiction-specific tax considerations.
Disclaimer: Past investment performance does not guarantee future financial returns. All projections are educational simulations.