Investment growth & goal calculator
Enter what you know, then choose what you want to calculate. The model can estimate your final balance, starting amount, monthly contribution, required return, or time to reach a goal.
What should be calculated
Advanced options
Extra deposits
Money arriving outside the monthly contribution — a bonus, a stock grant, a tax refund.
Extra withdrawals
Scheduled withdrawals for expenses such as a vehicle, roof replacement, or tuition. Either a sum or a share of the balance.
Scenario comparison
Investment timeline
Initial capital growth, monthly contributions, extra deposits and withdrawals, and reached goals across the full plan.
Annual ending balance
What you started with, what you added, and what it earned.
Annual investment growth
Growth in that year alone. Rising columns are compounding.
Return sensitivity
What the plan ends with at each return in the range you chose. The banded column is your return.
Required monthly contribution
Required expected return
Annual projection
| Year | Added | Growth | Balance | Paid in | Today’s $ |
|---|
Inflation-adjusted balance
Cash-flow schedule
Every extra event the monthly projection will execute. Repeating entries continue through the plan unless their own time range limits them.
| Year + month | Value | Deposit type |
|---|
Cumulative fee impact
What this model assumes
- The return is the same every year. Real markets are not, and a poor first decade costs far more than an equally poor last one.
- Contributions run every month for the whole period, at the end of the month unless you change the timing. An extra deposit lands on the last month of each of its own periods — a yearly one in month twelve — and stays fixed unless its own inflation switch is on; anything more frequent than monthly is credited pro rata.
- The quoted return is compounded at the interval you choose and converted to the equivalent monthly growth, so a yearly-compounded 8% is exactly 8% a year. Fees come off the balance each month at the annual rate entered.
- Growth on top is market gain or loss: ending balance minus your starting investment and deposits, with scheduled withdrawals added back. Withdrawals and any unmet amount are reported separately so the full reconciliation remains visible.
- Projection mode caps an unaffordable withdrawal at the balance available and reports the remainder as unmet. Goal solvers use the same settled behavior and accept an answer only when fixed withdrawals are funded and the ending goal is reached.
- Nothing is deducted for tax: a goal reached inside a taxable account is worth less than the same goal inside a sheltered one.
- “Today’s dollars” discounts the balance by the inflation rate. The goal itself is not inflated — a $1,000,000 goal is a million future dollars.
Calculations are estimates based on your assumptions and are not financial or investment advice. Actual results may differ. Read the financial disclaimer.