Investment Calculator

Model how a portfolio might grow from an initial contribution plus regular deposits. Enter expected annual return, inflation assumption, and tax rate on...

Modify the values and click the Calculate button to use.
Results

Enter values and click Calculate.

Schedule

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Introduction

Model how a portfolio might grow from an initial contribution plus regular deposits. Enter expected annual return, inflation assumption, and tax rate on investment income to see both nominal and inflation-adjusted ending values.

Investment Growth Projection

Model how a portfolio might grow from an initial contribution plus regular deposits. Enter expected annual return, inflation assumption, and tax rate on investment income to see both nominal and inflation-adjusted ending values.

Return vs Inflation

Headline account balances can look impressive while real purchasing power lags. The results distinguish total contributions, investment gains, and inflation-adjusted value so you can judge progress toward goals in today's dollars.

Tax Drag

Taxable brokerage accounts owe annual taxes on dividends and realized gains. Tax-advantaged accounts defer or eliminate some of that drag. Enter a realistic effective tax rate on investment earnings for taxable projections.

Not a Guarantee

Historical stock returns vary widely year to year. Use conservative, moderate, and optimistic rates to bracket outcomes rather than relying on a single point estimate.

Portfolio Building Blocks

Related Tools

ROI Calculator, IRR Calculator, Retirement Calculator.

How It Works

  1. Enter your amounts, rates, and term in the form. Use the same units shown in the labels (dollars, years, percent).
  2. Click Calculate to run the Investment Calculator engine. Invalid or empty required fields show a clear error message.
  3. Review the summary cards for the key outputs. Expand schedules or tables when available for period-by-period detail.
  4. Copy, print, or share your scenario link. Reset the form anytime to start a fresh comparison.

Formula

Future Value with compounding: FV = P(1 + r/n)^(nt). For periodic deposits, each contribution grows from its deposit date at the same periodic rate.

FAQ

Yes. CDCalculator.io provides the Investment Calculator at no charge for personal and educational use. Results are estimates and not financial advice.

The tool uses standard formulas lenders and planners use in spreadsheets. Your bank may round differently or include fees not modeled here.

Use the Copy Results and Print buttons on the calculator panel after you run a scenario. You can also share the page link with colleagues.

Focus on realistic rates, terms, and any extra payments or contributions. Small changes in APR or time horizon often move outcomes more than rounding.

No. Use this calculator to explore scenarios, then consult a qualified advisor or lender for decisions about investment products.