OomTools

Investment Returns Calculator

Project where an initial investment plus ongoing contributions could land at an expected annual return, with your deposits and your gains shown separately. Everything is a local estimate for planning purposes, not financial advice.

  • 100% free
  • Private & safe
  • Runs in your browser
Read our complete guide: How Compound Interest Works: Formula, Examples & Wealth Strategies

Why use Investment Calculator?

Investment Calculator gives you accurate results instantly, with the underlying formula shown so you can trust the numbers.

  • Runs instantly in your browser — nothing to install, nothing uploaded.
  • Completely free, with no account, no watermarks and no usage limits.
  • FV = P(1+i)^N + PMT × ((1+i)^N − 1) ÷ i
  • Enter your initial investment and monthly contribution.
  • Works on any device — desktop, tablet and phone — and is fully keyboard accessible.

How to use Investment Calculator

  1. Enter your initial investment and monthly contribution.
  2. Set an expected annual return and time horizon.
  3. See projected value, total invested and growth.
  4. Compare optimistic and conservative return rates.

Examples

  • $5,000 plus $500/month at 8% for 25 years.
  • Comparing a 6% vs 9% long-term return.

Formulas

  • FV = P(1+i)^N + PMT × ((1+i)^N − 1) ÷ i

Limitations

  • Markets are volatile; a constant rate is a simplification.
  • Ignores taxes, fees and inflation.
  • Past performance does not guarantee future results. Not financial advice.

Frequently asked questions

What return rate should I use?

Use a conservative long-term estimate; there is no guaranteed rate. Try a range to see the spread.

Does it model market ups and downs?

No — it assumes a steady average return for simplicity.

Is this financial advice?

No, it is informational only.

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