Investment Calculator
Estimate how any investment could grow over time. Enter an initial amount, a monthly contribution, a time horizon, and an assumed annual return to see a projection.
Your investment
An assumption you choose, not a guaranteed return for any investment. Try different values to see how they affect the projection.
Estimated future value
$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 |
How this investment calculator works
This calculator applies standard compound-growth formulas, compounded monthly. Your initial investment grows at the assumed annual return, compounded monthly, and each monthly contribution is treated as invested on a regular schedule and given the remaining time in the plan to grow.
It's intentionally general-purpose — it doesn't assume you're investing in any specific stock, ETF, or fund. If you already know you're interested specifically in VOO (the Vanguard S&P 500 ETF), see our VOO calculator for the same math with VOO-specific content, or the S&P 500 calculator for any fund tracking that index.
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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.