Investment Calculator - Future Value, CAGR, ROI & Inflation-Adjusted Growth
Project future value of an investment with monthly contributions, CAGR, ROI, and real (inflation-adjusted) balance
| Year | Balance | Contributed |
|---|---|---|
| 1 | $17,054.96 | $16,000.00 |
| 2 | $24,695.47 | $22,000.00 |
| 3 | $32,970.15 | $28,000.00 |
| 4 | $41,931.62 | $34,000.00 |
| 5 | $51,636.89 | $40,000.00 |
| 6 | $62,147.68 | $46,000.00 |
| 7 | $73,530.87 | $52,000.00 |
| 8 | $85,858.86 | $58,000.00 |
| 9 | $99,210.07 | $64,000.00 |
| 10 | $113,669.42 | $70,000.00 |
| 11 | $129,328.89 | $76,000.00 |
| 12 | $146,288.09 | $82,000.00 |
| 13 | $164,654.89 | $88,000.00 |
| 14 | $184,546.13 | $94,000.00 |
| 15 | $206,088.33 | $100,000.00 |
| 16 | $229,418.52 | $106,000.00 |
| 17 | $254,685.10 | $112,000.00 |
| 18 | $282,048.81 | $118,000.00 |
| 19 | $311,683.68 | $124,000.00 |
| 20 | $343,778.24 | $130,000.00 |
How it works
- 1Enter starting values
Initial investment, monthly contribution, and years.
- 2Set return and inflation
Expected annual return (APR) and expected inflation rate.
- 3Read projections
Nominal balance, CAGR, ROI, and inflation-adjusted real value update instantly.
About Investment Calculator - Future Value, CAGR, ROI & Inflation-Adjusted Growth
Free investment growth calculator. Enter your initial amount, monthly contribution, holding period, expected annual return, and inflation rate to project the future value, total contributions, investment gains, ROI, annualized CAGR, and inflation-adjusted real value. Includes a year-by-year table. Runs entirely in your browser. Investment Calculator - Future Value, CAGR, ROI & Inflation-Adjusted Growth on 712 Tools runs entirely inside your browser using modern JavaScript APIs - no server ever sees your data. That means instant results, complete privacy, and no upload limits.
Whether you need to project future value of an investment with monthly contributions, cagr, roi, and real (inflation-adjusted) balance for a debugging session, a quick sanity check, or a production incident, this tool is free to use as many times as you need. There are no watermarks, no sign-up, and no ads inside the tool itself.
Frequently asked questions
What's the difference between ROI and CAGR?
ROI is the total return as a percentage of what you put in. CAGR is that return smoothed to an equivalent constant annual rate - useful for comparing investments held over different time frames.
What is real vs nominal return?
Nominal is the actual dollar figure. Real subtracts inflation, showing what the money is worth in today's purchasing power. Real is usually the more meaningful number for long-term planning.
Does this account for taxes or fees?
No - the model shows gross returns. Actual after-tax, after-fee results are typically lower.
Is my data uploaded?
No. All calculations run entirely in your browser.
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