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Project investment growth over any time horizon with contributions, CAGR, and inflation-adjusted returns.
Project your portfolio's growth with compound interest, regular contributions, and inflation adjustment.
Quick Presets
Future Value in 10 Years
$21,589
Total contributed: $10,000
Inflation-Adjusted
$16,064
Total Gains
$11,589
CAGR
8.00%
Gain %
115.89%
| Year | Nominal Value | Real Value | Total Contributed | Total Gains |
|---|---|---|---|---|
| 1 | $10,800 | $10,485 | $10,000 | $800 |
| 5 | $14,693 | $12,675 | $10,000 | $4,693 |
| 10 | $21,589 | $16,064 | $10,000 | $11,589 |
Investment Return Calculator projects portfolio growth using monthly compound returns on initial investment plus regular contributions, computes CAGR, and deflates the nominal future value by the input inflation rate to show real purchasing power.
Project how any investment grows over time — including regular contributions, CAGR calculation, and inflation-adjusted real returns. Supports S&P 500, bonds, or any custom rate.
Enter your initial investment amount
Set an annual return rate or use a quick preset (S&P 500: 10%, Balanced: 7%)
Add monthly contributions to model dollar-cost averaging
Set an inflation rate to see the real purchasing power of your future balance
Nominal future value = initial × (1 + rate)^years + monthly_contrib × ((1+r)^months − 1)/r. Real value = nominal ÷ (1 + inflation)^years. CAGR = (FV/initial)^(1/years) − 1. All projections assume constant rate and contributions. Past market returns do not guarantee future results.
The S&P 500 has averaged ~10% nominal returns annually over the past 100 years, or ~7% after inflation. Individual results vary significantly by time period and asset allocation.
Compound Annual Growth Rate (CAGR) measures the smoothed annual return from start to end. It's useful because a $10K investment that grows to $20K in 10 years has a 7.18% CAGR regardless of year-to-year volatility.
If your investment returns 8% and inflation is 3%, your real return is ~4.85% (not simply 5%). The calculator shows both nominal and inflation-adjusted values so you can assess true purchasing power.
DCA means investing a fixed amount regularly (e.g., $500/month) regardless of market conditions. It reduces the risk of investing a lump sum at a market peak and is the default behavior of 401(k) contributions.
Calculate how money grows with compound interest — lump sum plus regular contributions, any compounding frequency.
Project your 401(k) balance at retirement with employer match and salary growth.
Find out exactly how much to save each month to reach any financial goal by a target date.