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Investment Calculator

Explore investment targets, required contributions and assumed returns, including signed TVM and separate monthly and annual deposit scenarios.

Currency: USD

Enter all amounts in USD. Changing currency keeps numbers unchanged; no exchange rate is applied.

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EXAMPLE RESULTCalculated locally
Future value
$53,881.86
Clear inputs. Transparent methods.
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How it works

A useful distinction

Treat a required return as a constraint

If solving your target produces an implausibly high return, rerun the problem for contribution or time instead. The required return is arithmetic, not evidence that an investment offering that return exists.

Testing investment assumptions separately

Change one assumption at a time when comparing investment projections: the starting balance, contribution amount, return, or horizon. This makes it easier to see what drives the difference. The signed cash-flow and equivalent-rate modes answer more specific financing questions. A constant-rate projection smooths away market fluctuations, so use it to explore scenarios rather than to predict a guaranteed account value.

Time value of money: formula and assumptions

FV = PV(1+i)^n + PMT[(1+i)^n−1]/i; beginning-of-period payments multiply the annuity factor by 1+i.

Amounts use a savings convention: starting value and contributions are positive inflows into the investment. The chosen unknown field is ignored.

Signed cash-flow TVM: formula and assumptions

PV(1+i)^N + PMT((1+i)^N−1)/i × timing + FV = 0.

Nominal interest is converted independently using the compounding and payment frequencies. Cash paid is negative and cash received positive. This convention differs from a positive-contribution savings form.

Monthly + annual contributions: formula and assumptions

Ending balance = opening growth + each contribution grown from its event time − modeled interest tax.

The annual stream is additional to twelve monthly contributions. Increases apply separately to each stream. Tax settles at year ends and the final partial year; inflation adjusts purchasing power.

Equivalent nominal rates: formula and assumptions

Equivalent nominal rate = target frequency × [exp(annual log-growth / target frequency) − 1].

Semimonthly means 24 periods and biweekly 26. Continuous compounding uses the logarithm of effective annual growth. This compares rates with equal annual growth.

Worked example

Reference example currency: USD. These fixed examples do not change with your calculator preferences.

Using the Time value of money example:

Inputs
Solve for
Future value
Present value ($)
10000
Periodic contribution ($)
200
Annual effective return (%)
7
Time (years)
10
Periods per year
Monthly
Payment timing
End
Method

FV = PV(1+i)^n + PMT[(1+i)^n−1]/i; beginning-of-period payments multiply the annuity factor by 1+i.

Result

Example result

Future value: $53,881.86

These are illustrative inputs. Change the values to explore a different scenario.

What to keep in mind

Returns and contribution growth are entered scenarios. An implied rate or required contribution is not a forecast; taxes and inflation follow the selected mode’s stated assumptions.

Formula references

References explain the underlying methods; they do not imply endorsement or individual professional review of Finflo.

Common questions

Does solving for a return predict what an investment will earn?

No. It finds the constant modeled return needed to connect the entered cash flows and target; it is not a forecast.

Which mode should I use for extra yearly contributions?

Use Monthly + annual contributions when a yearly deposit is additional to the monthly savings stream.

Prepared by Finflo. See our methodology and editorial policy. Read the relevant professional-advice limitations.