Investment Calculator
Lump sum + periodic contributions
Instructions
1
Enter Initial and Contribution
Starting balance and amount added each period.
2
Enter Rate, Years, Frequency
Annual return, timeline, and contribution frequency.
Formula
FV = P(1+i)^n·t + c·[((1+i)^n·t − 1)/i]
i = r/n, contributions assumed end-of-period
Common Questions
Are contributions assumed at the beginning or end of each period?
This calculator uses an ordinary annuity (payments at the end of each period), which matches most retirement contribution schedules.
How should I enter the annual rate?
Use the nominal annual percentage you expect before compounding, then pick how often money compounds and how often you contribute.
Are future values guaranteed?
No. The chart is a mathematical projection. Real markets vary, fees apply, and taxes are not modeled here.
Can I model a one-time lump sum only?
Set periodic contributions to zero and enter your starting balance as the initial amount.