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Investment Growth Projection

See how invested capital could develop over time under a real-return assumption you choose — and how much of the result is money you put in versus modelled investment growth.

Figures are in today's money. This is arithmetic on an assumption, not a forecast.

Enter what you have, what you add, and how long for. The projection is arithmetic on the assumption you choose.

What you have, and what you add

Money you already have invested today, in today’s money. Zero is a valid answer.

US dollars

A constant amount added at the end of each month. Zero is a valid answer. Monthly only — there is no yearly equivalent on this page.

US dollars, each month

Why a steady monthly amount is modelled this way.

Whole years, 1 to 50. A length of time, not an age or a date.

whole years

Why the horizon matters more than it looks.

The return assumption

Real return means growth after inflation. So inflation is not entered separately, and every figure on this page is in today’s money.

An assumption you choose, not a prediction and not an expected outcome. Between 0.0% and 10.0%, in steps of 0.1. The starting value of 5.0% is a modelling convention.

percent a year, after inflation

Markets do not return the same amount each year; this applies one steady assumption to show its arithmetic.

Projected value under these assumptions

No complete set of inputs has been entered yet, so there is no value to show.

How it develops over time

Nothing is drawn yet. Once a complete set of inputs has been entered, the balance is shown year by year here.

If the return assumption is different

No complete set of inputs has been entered yet, so there is nothing to restate at 4%, 5% and 6%.

What this means

No complete set of inputs has been entered yet, so there is nothing to read back.

Assumptions in use

  • A real return, applied constantly every year.
  • All figures in today's money — the return is already after inflation.
  • Contributions are constant and added at the end of each month.
  • The annual assumption is converted to a monthly rate so that twelve modelled months compound to exactly the annual rate shown.

These stay visible on the page. Nothing that is being applied is hidden behind a disclosure.

What this calculation leaves out, and why

  • Tax — not modelled; rules depend on account and jurisdiction. Where tax applies, the real outcome is lower than shown.
  • Fees — not modelled. Platform and fund costs reduce the return actually achieved, so the real outcome is lower than shown.
  • Variable returns and their order — one steady rate is applied; real years differ, and the order of good and bad years matters. How the mix of what you hold changes that variation.
  • Changes to contributions — the monthly amount never changes here; pay rises, pauses and one-off additions are not modelled.
  • Withdrawals — nothing is taken out during the horizon.
  • Employer contributions — not included unless entered as part of the monthly amount.
  • Currency changes — the currency is a unit label only; no conversion or cross-currency effect is modelled.

Tax and fees are not covered by the 4%–6% comparison above. That comparison varies one assumption; it does not absorb costs.

Disclaimer

The results provided by this calculator are estimates based on the information you enter. They are intended for educational and planning purposes only and do not constitute financial, investment, tax or legal advice. Actual outcomes will vary depending on market performance, inflation, taxes, fees and personal circumstances. Always perform your own research and consider consulting a qualified professional before making important financial decisions.