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Investment Growth Calculator

Visualise investment growth year by year with increasing annual contributions (step-up) and compounding returns.

Enter values

Results update as you type.

Result

Future value

$922,969.00

Total contributed
$254,090.07
Total growth / interest
$668,878.92
Growth as % of contributions
263.24%

Growth by year

YearTotal contributedTotal growthBalance
Year 129,8002,548.2132,348.21
Year 234,8405,795.8840,635.88
Year 340,1329,831.6549,963.65
Year 445,688.614,753.6260,442.22
Year 551,523.0320,670.3172,193.34
Year 657,649.1827,701.6785,350.85
Year 764,081.6435,980.26100,061.9
Year 870,835.7245,652.44116,488.16
Year 977,927.5156,879.81134,807.32
Year 1085,373.8869,840.64155,214.52
Year 1193,192.5884,731.55177,924.13
Year 12101,402.21101,769.32203,171.53
Year 13110,022.32121,192.84231,215.15
Year 14119,073.43143,265.26262,338.7
Year 15128,577.11168,276.44296,853.54
Year 16138,555.96196,545.44335,101.4
Year 17149,033.76228,423.46377,457.22
Year 18160,035.45264,296.91424,332.36
Year 19171,587.22304,590.84476,178.06
Year 20183,716.58349,772.69533,489.27
Year 21196,452.41400,356.37596,808.78
Year 22209,825.03456,906.8666,731.83
Year 23223,866.28520,044.77743,911.05
Year 24238,609.59590,452.38829,061.98
Year 25254,090.07668,878.92922,969

Illustration only. Real investment returns vary and are not guaranteed.

About the Investment Growth Calculator

Visualise investment growth year by year with increasing annual contributions (step-up) and compounding returns.

Also known as: growth of investment, portfolio growth, step up investment.

How to use this calculator

  1. Enter initial investment, monthly contribution, expected annual return, years and the other fields.
  2. The result updates instantly as you type — press Calculate (or Enter) at any time.
  3. Review the breakdown shown under the main result.
  4. Use Copy result or Share to save the answer or send a link with your inputs.

Formula

FV = P(1 + r)ⁿ + PMT·((1 + r)ⁿ − 1)/r (monthly periods)
P
= initial amount
PMT
= monthly contribution
r
= monthly rate
n
= months

Worked example

Using the values pre-filled in the calculator above:

  • Initial investment = 25,000
  • Monthly contribution = 400
  • Expected annual return = 9 %
  • Years = 25
  • Increase contributions each year by = 5 %

the calculator returns:

  • Future value: 922,969
  • Total contributed: 254,090.07
  • Total growth / interest: 668,878.92
  • Growth as % of contributions: 263.24%