What return rate should I use?

Historical long-run stock market averages are often cited around 7–10% annually before inflation, but any specific investment can vary widely — use a rate appropriate to what you’re actually invested in.

Does this account for inflation?

No — this shows nominal (not inflation-adjusted) growth. To estimate real purchasing power, reduce your return rate by your expected inflation rate.

Investment Calculator

Investing

Project the future value of an investment with an initial amount and recurring monthly contributions.

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Changing the display currency only changes the symbol shown — amounts aren't converted, since this tool doesn't use live exchange rates.

Initial investment

Monthly contribution

Expected annual return (%)

Duration (years)

Maturity value

Total invested: $0

Total growth: $0

Growth over time

How this is calculated

Compounds an initial lump sum plus a recurring monthly contribution at the given annual return, monthly. Growth from the return is separated from the amount you actually contributed to show how much of the final balance is real growth.

Frequently asked questions

What return rate should I use?: Historical long-run stock market averages are often cited around 7–10% annually before inflation, but any specific investment can vary widely — use a rate appropriate to what you’re actually invested in.
Does this account for inflation?: No — this shows nominal (not inflation-adjusted) growth. To estimate real purchasing power, reduce your return rate by your expected inflation rate.

SIP Calculator

Calculate the maturity value of a monthly Systematic Investment Plan (SIP) with a growth chart.

Lump Sum Investment Calculator

Project the future value of a single lump-sum investment over time.

Compound Interest Calculator

Calculate compound interest with your choice of compounding frequency.