See how a lump sum and optional yearly additions grow at a given return. Enter the initial amount, return, and time.
Ending Value
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After growth.Usage Tip
Low-cost, diversified, long-held investments historically beat frequent trading after fees. Time in the market is the main lever.
THE MATH
FV = P(1+r)^t + C × (((1+r)^t − 1) ÷ r)
P = initial, C = annual addition, r = annual return, t = years
P = initial, C = annual addition, r = annual return, t = years
Investment growth compounds annually here: each years gain is added to the base for the next year.
The growth multiple shows how many times your invested money you end up with.
The growth multiple shows how many times your invested money you end up with.
Real markets are volatile; a steady-return estimate smooths over good and bad years.
Fees and taxes reduce real returns and are not included.
Reinvested dividends are a large part of long-run stock returns, so assume returns include them.
Fees and taxes reduce real returns and are not included.
Reinvested dividends are a large part of long-run stock returns, so assume returns include them.