Investment Calculator
Project what your investments could be worth. Enter an initial investment, a monthly contribution, an expected annual return and a time horizon to estimate the future value, the total you'll have invested, and the growth on top.
How to use it
Enter your initial investment, your monthly contribution, an expected annual return, and the number of years. The calculator compounds monthly and shows the projected value, splits it into contributions versus growth, and charts the balance over time.
Small differences in return and time compound into large differences at the end. Compare a 25-year horizon against 30, or nudge the return up a point, to see how much the final figure moves — then keep your assumptions realistic, since markets fluctuate.
Frequently asked questions
What return should I assume?
Pick a rate that matches your portfolio and stay conservative. A diversified stock portfolio has historically averaged mid-to-high single digits over long periods, but any given year can be sharply up or down. This tool projects; it doesn't predict.
Are contributions made monthly?
Yes — the monthly contribution is added at the end of each month and compounds with the rest. For a one-time investment, set the monthly contribution to zero.
Does this account for taxes or inflation?
No. It shows nominal growth before taxes and inflation. To gauge purchasing power, you can lower the return by your inflation estimate to get a rough real return.
BriskToolbox provides estimates for general information only and is not financial advice. Investment returns are not guaranteed.