Investment Growth Calculator

The lump sum invested at the start; it compounds for the entire horizon.

The amount invested every month on top of the starting sum.

The average yearly return you expect. Broad stock markets have returned roughly 7–10% per year before inflation over long periods — but never smoothly.

The investing horizon. The longer it runs, the more the final balance is growth rather than your own deposits.

Raises the monthly contribution once a year by this percent, modeling savings that grow with your salary. 0 keeps the contribution constant.