Calculator
Example Data Table
| Scenario | Initial | Contribution | Return | Years | Compounding | Projected Value |
|---|---|---|---|---|---|---|
| Starter Plan | $5,000 | $250 monthly | 7% | 10 | Monthly | $53,426.26 |
| Balanced Plan | $10,000 | $500 monthly | 8% | 15 | Monthly | $191,184.33 |
| Aggressive Plan | $20,000 | $800 monthly | 10% | 20 | Monthly | $673,009.52 |
These rows are illustrative examples only. They help users understand how different assumptions affect compounding results.
Formula Used
1. Lump sum growth: FV = P × (1 + r / n)nt
2. Recurring contribution growth: FV = PMT × [((1 + r / n)nt - 1) / (r / n)]
3. Beginning contribution adjustment: Multiply recurring value by (1 + r / n)
4. Gross growth: Final portfolio value minus total contributions
5. After tax value: Final value minus estimated tax on gains
6. Real value: After tax value divided by (1 + inflation)years
Where P is initial investment, PMT is periodic contribution, r is annual return, n is compounding periods each year, and t is years.
How to Use This Calculator
- Enter your starting investment amount.
- Add the amount you plan to invest each period.
- Choose the expected annual return and compounding frequency.
- Select whether contributions happen at the beginning or end.
- Include optional assumptions like dividend yield, price growth, inflation, and taxes.
- Set a target goal if you want to compare progress.
- Click the calculate button to view metrics, the chart, and the full schedule.
- Use the CSV or PDF options to export your results.
Frequently Asked Questions
1. What does this calculator estimate?
It estimates how a stock investment can grow over time using a starting balance, recurring contributions, compounding, dividends, taxes, inflation, and share price assumptions.
2. Is the result guaranteed?
No. The output is a projection based on your assumptions. Real markets move unpredictably, so actual portfolio values may be higher or lower.
3. Why does contribution timing matter?
Beginning-of-period contributions get invested earlier, so they receive more compounding periods. That usually produces a slightly larger ending balance than end-of-period investing.
4. How are dividends handled here?
The calculator estimates annual dividend income from the projected balance and dividend yield. It shows income potential, but does not separately model dividend reinvestment timing.
5. What is inflation adjusted value?
It shows the estimated purchasing power of your future portfolio after reducing nominal value by the inflation assumption across the selected years.
6. Why include tax on growth?
Taxes can materially reduce investment outcomes. This field helps you view a more conservative estimate by subtracting tax from projected gains.
7. Can I use this for monthly investing plans?
Yes. Set compounding to monthly and enter your monthly contribution amount. That creates a practical projection for a regular investing strategy.
8. What if my goal is not reached?
The calculator shows the gap and estimates extra money needed per contribution period. You can then test higher savings, more years, or different return assumptions.