Investment Calculator

Estimate future investment value from a starting amount, regular contributions, expected return and time horizon. The result updates as you type so you can compare scenarios quickly.

The method

How it is worked out

FV = P(1+r)^N + C × ((1+r)^N − 1) ÷ r

P: Starting investment
C: Monthly contribution
r: Monthly return
N: Number of months

Keep in mind

What it leaves out

Returns varyMarkets do not deliver a constant return.
Fees and taxCharges and tax are not included.
InflationFuture purchasing power may be lower.

Use the calculator to compare scenarios rather than as a guaranteed forecast.

About the Investment Calculator

Estimate a future portfolio balance from money invested today and regular monthly contributions. This is useful when planning how much to put aside for a long-term goal and when comparing the effect of contribution size, time and an assumed annual return.

How it works and an example to tryShow less

How to use the result

The starting amount grows at the assumed monthly return and each monthly contribution is added to the forecast. The displayed total combines money contributed with modelled growth. Real markets do not deliver the same return every month, so treat the result as a scenario. Platform charges, investment tax and changes in purchasing power are not included.

Example to try

Use a starting investment and add 100 a month for ten years. Compare a cautious annual return assumption with a higher one, then keep the return unchanged and double the contribution. Look at the amount you paid in separately from the growth attributed to the model.

Put it to work

Try it on a real situation

Load an example

What moves the result most

Worked out from your figures above. Tap a row to try it.

Who uses it, and when

People saving towards a house deposit, a child's education or retirement who want to test how much regular investing changes the outcome. Advisers and financial coaches use it to show clients the difference between contributions and growth.

Mistakes worth avoiding

Plugging in a double-digit annual return because a fund achieved it last year.
Forgetting fund and platform charges, which compound against you just as returns compound for you.
Reading the final figure as money in the bank rather than one scenario among many.

Questions

What does the Investment Calculator do?

Estimate future investment value from a starting amount, regular contributions, expected return and time horizon.

How should I use the result?

Does TechBullion store the information I enter?

The core calculation or transformation runs in your browser. Normal website security and analytics may still record page-level events, but the tool does not need to create a public record from your inputs.

What mistakes do people make with an investment calculator?

Plugging in a double-digit annual return because a fund achieved it last year. Forgetting fund and platform charges, which compound against you just as returns compound for you. Reading the final figure as money in the bank rather than one scenario among many.

Is the result guaranteed?

No. Use the result as a practical check or planning aid and verify important decisions with the relevant primary source, provider or professional advice.

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