Estimate how an investment could grow over time based on your starting amount, contributions, and expected rate of return.
The Numelios Investment Calculator helps estimate how an investment may grow over time based on a starting balance, regular contributions, expected rate of return, and investment period.
It can be used to compare different long-term scenarios and see how contributions, time, and assumed returns may affect future value.
Investment growth can come from the initial amount invested, additional contributions, and returns earned over time.
When returns are compounded, gains can remain invested and may generate additional gains in future periods.
Suppose you invest $20,000, contribute $500 per month, and assume an average annual return of 7% for 15 years.
This is a hypothetical projection only. Actual investment returns can vary significantly from year to year and may be negative.
A larger initial investment provides more capital that can potentially participate in future growth from the beginning.
Continued contributions can materially increase the total amount invested and the potential future value.
Higher assumed returns produce larger projected values, but actual returns are uncertain and higher-return investments may involve greater risk.
A longer investment period provides more time for contributions and compounding to affect the projected value.
When investment gains remain invested, future returns may be earned on both the original capital and previous gains. Over long time horizons, this compounding effect can become a major part of projected growth.
Use the Compound Interest Calculator to examine compounding frequency and the mathematical effect of reinvesting returns in more detail.
A future investment balance can come from two different sources: money contributed by the investor and growth generated by the investment.
Especially in the earlier years of a plan, contributions may make up most of the account value. Over longer periods, compound growth may become a larger part of the projected balance.
The Savings Calculator can help compare regular contributions in a savings-focused scenario.
An investment calculator typically assumes a constant average return to create a projection. Real investments do not usually earn the same return every year.
Markets can rise or fall, and actual results may be affected by volatility, fees, taxes, withdrawals, inflation, and the timing of contributions and returns.
If you want to examine interest separately from a broader investment projection, use the Interest Calculator to compare simple and compound interest calculations.
If you need to calculate percentage returns or percentage changes, the Percentage Calculator can help with those calculations.
It uses the starting balance, contributions, assumed return, time period, and calculation method to project a hypothetical future value.
The rate should reflect the scenario you are evaluating. Because future returns are uncertain, it can be useful to compare several different assumptions rather than relying on a single projection.
They can. Consistent contributions increase the amount invested and give additional capital the opportunity to participate in future growth.
A basic projection generally does not model market volatility or the possibility of losses unless those features are specifically included in the calculator.
No. Projections are based on assumptions. Actual investment performance can differ significantly and losses are possible.
This calculator is provided for informational and educational purposes only. Results are hypothetical estimates and do not constitute investment, financial, tax, or retirement advice. Actual returns are not guaranteed and losses are possible.