Investment Calculator

Free investment calculator to evaluate various investment situations considering starting and ending balance, contributions, return rate, and investment length.

Calculator Inputs

Return Rate
Starting Amount
End Amount
Investment Length
Contribution
$
$20,000
$
$100,000
years
10 years
$
$2,000
Use negative values for regular withdrawals
%
2.5%
Please check your input values

Results

Required Annual Return Rate
6.42%
To reach your target of $100,000 in 10 years
Total Deposits
$44,000
Total Interest
$56,000
Inflation Adjusted
$78,432
Effective Return
3.92%

Accumulation Schedule

Period Deposit Interest Balance

Investment Concepts

Time Value of Money (TVM)

According to the concept of time value of money, a dollar in hand today is worth more than a dollar promised at some future time. This is the basis of interest payments and future value calculations.

Variables Involved

For any typical financial investment, there are four crucial elements: Return rate, Starting amount (principal), End amount (future value), Investment length, and Additional contributions.

Types of Investments

Investment Calculator can handle various investment types including CDs, bonds, stocks, real estate, and commodities. Each type has different risk and return profiles.

PMT Function

Periodic payment (PMT) is an inflow or outflow amount that occurs at each period of a financial stream. The choice between payments at the beginning or end of compounding periods has large ramifications on the final amount of interest incurred.