Investment Calculator
Project how a starting amount and regular contributions could grow.
Balance year by year
For information only. Results are estimates based on the numbers you enter and a constant rate. They are not financial, tax or investment advice — real returns, fees, taxes and lender terms vary. Speak to a qualified adviser before making financial decisions.
How it works
- Enter your starting amount and monthly contribution.
- Set the expected annual return and number of years.
- Optionally increase contributions each year, then review the balance and yearly table.
Frequently asked questions
How are returns calculated?
Growth is compounded monthly at the annual rate ÷ 12, with contributions added at the end of each month. The step-up option raises your monthly contribution once a year.
What return should I use?
It depends on your investments. Broad stock market indexes have historically returned around 7% a year after inflation over long periods, but returns vary widely and can be negative.
Why does starting early make such a difference?
Compounding means growth earns growth. Money invested in the first years has the longest time to compound, so it often ends up contributing the most to the final balance.
Does this include fees and taxes?
No. Fund fees, account charges and taxes reduce real-world results.
See your savings grow
Regular investing plus compound growth can turn modest monthly amounts into significant sums over decades. Adjust the starting amount, contribution, return and time to see what matters most for your plan.
Step up your contributions
Increasing your monthly contribution by a few percent each year — for example when you get a raise — can raise the final balance dramatically. Try the step-up option to see the difference.