Project compound investment growth with monthly contributions and show both nominal and inflation-adjusted values.
USD inputs · transparent calculation assumptions
Instant updates as inputs change
Data is calculated in this browser only
USD inputs · transparent calculation assumptions
Projected investment value$217,309.29
Total contributions
$82,000.00
Nominal investment gain
$135,309.29
Inflation-adjusted value
$120,318.89
Inflation-adjusted gain over contributions
$38,318.89
Effective monthly return
0.64%
Calculation notes
Understand the Investment compound return calculator
Convert the annual return to an effective monthly rate, grow the opening balance each month, then add the month-end contribution. Divide the final balance by cumulative inflation for today-dollar value. The calculation runs locally and keeps cash-flow timing consistent with the stated assumptions.
Formula and logic
How do monthly contributions compound at an annual investment return?
Convert the annual return to an effective monthly rate, grow the opening balance each month, then add the month-end contribution. Divide the final balance by cumulative inflation for today-dollar value.
Worked example
How much cash is contributed by investing $300 monthly for 20 years?
$10,000 initially plus $300 at each month-end contributes $82,000 over 20 years. The projected balance depends on the entered return, while the real value also depends on inflation.
How to read the result
What is the difference between nominal and inflation-adjusted investment value?
Nominal gain is the ending balance minus cash contributed.
The inflation-adjusted value estimates purchasing power, not an after-tax liquidation value.
Limits and assumptions
Does a constant-return projection include market volatility and fees?
Assumes a constant return, constant inflation, and month-end contributions with no volatility, fees, taxes, withdrawals, or contribution changes. Investment returns are not guaranteed.