ETF Investment Calculator
Estimate how an investment in any ETF could grow over time. Enter your numbers below — and optionally name the fund — to project a future value based on your own assumptions.
Your investment
This is an assumption you choose, not a guaranteed return for any ETF. Try different values to see how they affect the projection.
Estimated future value for your ETF
$300,851
Based on a 7.00% assumed annual return over 20 years. This is a projection, not a guarantee.
Total contributions
$130,000
Estimated investment growth
$170,851
Estimated total return
131.42%
Year-by-year breakdown
| Year | Starting balance | Contributions | Investment growth | Ending balance |
|---|---|---|---|---|
| 1 | $0 | $16,000 | $919 | $16,919 |
| 2 | $16,919 | $6,000 | $1,419 | $24,339 |
| 3 | $24,339 | $6,000 | $1,956 | $32,294 |
| 4 | $32,294 | $6,000 | $2,531 | $40,825 |
| 5 | $40,825 | $6,000 | $3,148 | $49,973 |
| 10 | $93,671 | $6,000 | $6,968 | $106,639 |
| 15 | $168,587 | $6,000 | $12,383 | $186,971 |
| 20 | $274,790 | $6,000 | $20,061 | $300,851 |
What is an ETF investment calculator
An ETF (exchange-traded fund) investment calculator projects how a lump sum, a recurring contribution, or both, could grow over a chosen time horizon at an assumed annual return. The math is the same standard compound-growth formula regardless of which ETF you have in mind — what changes fund to fund is the return you might reasonably assume, not the formula itself.
If you're specifically interested in an S&P 500 fund, our S&P 500 calculator uses the same engine with S&P 500-focused content, and our VOO calculator focuses specifically on Vanguard's S&P 500 ETF.
How to use this calculator for any ETF
Optionally enter the ETF's name or ticker so the results are labeled for you, then fill in an initial investment, a monthly contribution if you plan to keep adding to the position, a time horizon, and an assumed annual return. The calculator handles the compounding math and shows a year-by-year breakdown alongside the final estimate.
Related Calculators
S&P 500 Calculator
The same engine, focused on funds tracking the S&P 500 index.
ETF Dividend Calculator
Estimate dividend income for any ETF, with or without reinvestment.
ETF ROI Calculator
See total ROI and an annualized return (CAGR) for any ETF.
VOO Calculator
The same math, focused specifically on Vanguard's S&P 500 ETF.
Frequently asked questions
This is an educational calculator, not financial advice.
Results shown are estimated future values based on the return assumption you enter — they are not predictions and VOO is not guaranteed to achieve any particular return. Past performance of the S&P 500 or any fund does not guarantee future results. Consider speaking with a licensed financial professional before making investment decisions.