Investment growth

Estimate future value with monthly contributions, compounding frequency, and optional inflation adjustment. Figures are simplified and for guidance only.

Projection

Enter your starting amount, monthly deposit and expected annual return.

Used to show inflation-adjusted (real) value.

Disclaimer: returns are hypothetical and not guaranteed. This is not financial advice.

How to use the Investment Growth Calculator

This free investment calculator estimates how savings or investments grow over time with compound interest. You can include monthly deposits, contribution timing, and inflation to see both nominal and real returns.

Steps

  1. Enter your initial amount (starting balance).
  2. Add a monthly contribution (optional).
  3. Type your expected annual return (%).
  4. Set the number of years you want to project.
  5. Choose how often interest compounds (monthly, quarterly, annually, or daily).
  6. (Optional) Add inflation % to see real (purchasing-power adjusted) results.
  7. Click Calculate to see future value, growth, and annual breakdown.

Examples

  • Lump sum only: £5,000 at 5% for 10 years → £8,144 future value.
  • Monthly deposits: £200 per month for 15 years at 7% → about £63,000.
  • With inflation: £50,000 for 20 years at 6% with 2% inflation → real value ≈ £67,000.

FAQ

What is compound interest?

Compound interest means you earn returns not only on the original amount but also on the accumulated interest over time.

Can I use this for retirement planning?

Yes. It’s often used to estimate pension savings growth or retirement fund projections. Figures are simplified and for guidance only.

Does this include taxes or fees?

No. The calculator shows gross growth. For real outcomes, consider investment fees and taxes separately.