Use the Investment Calculator
Project how an investment grows over time using compound interest, including optional regular contributions. Enter your starting amount, expected annual return, time horizon and any
- Free to use
- No signup
- Nothing to install
- Works in any modern browser
Your input
The actionA real example, step by step
Real data entered into the Investment Calculator, one screenshot per step. Nothing is mocked up.
Open the tool
The Investment Calculator opens ready to use, nothing to install or sign up for.
Enter your data
Real input used here: 10000 10000; 500 500; 8 8.
Press Calculate Returns
The Investment Calculator shows the result straight away, below the same form.
What is the Investment Calculator?
Project how an investment grows over time using compound interest, including optional regular contributions. Enter your starting amount, expected annual return, time horizon and any recurring contribution, and see your projected ending balance along with total contributions versus total growth.
This is a planning tool for understanding the long-term power of compounding, not a guarantee of returns — actual investment performance varies and past or assumed rates don't predict future results.
3 steps to your result
Open the tool and follow along. Nothing to install.
What you get
See how your money grows year over year with compounding returns.
Model regular monthly or annual contributions on top of your starting balance.
See how much of your ending balance came from your own money versus investment growth.
Adjust any input and see the projection update immediately.
AZRS tools are free to open and use.
It opens in your browser, so there is nothing to download.
Used for
Pick one to see how it fits.
New investors
See the real long-term effect of starting early and contributing regularly.
Try it freeRetirement planners
Model different contribution levels and time horizons toward a savings goal.
Try it freeAnyone comparing return assumptions
Test how a 5% vs. 8% assumed return changes the projected outcome dramatically over decades.
Try it freeHow it compares
A plain look at this tool next to the usual alternative.
| This calculator | Desktop software | |
|---|---|---|
| Install | Nothing to install | Usually an app or program to install |
| Account | No signup | Depends on the product |
| Cost | Free to use | Free or paid, depends on the product |
Questions people ask
Is this a guaranteed return?
No, this is a projection based on the annual return rate you enter — actual investment returns vary and are never guaranteed.
How does compounding work?
Each period's investment growth is added to the balance, so future growth is calculated on a larger amount — this compounding effect accelerates over time.
Should I include inflation?
This calculator shows nominal (non-inflation-adjusted) growth; for a real purchasing-power estimate, use a lower 'real' return rate that already accounts for expected inflation.
Is this investment calculator free?
Yes, free with no signup.
What return rate should I use?
Many long-term planners use a conservative estimate like 5-7% for diversified stock market investments, but this is not financial advice — choose an assumption appropriate to your actual investments.
More free tools
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Try the Investment Calculator now
Project how an investment grows over time using compound interest, including optional. Free to use.
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