Free online investment returns calculator. Calculate compound future value, annualized return, total contributions and gains. Supports recurring investments with year-by-year growth tables. | No registration · Data stays on your device
Zero Dependencies · Works OfflineEnter initial principal, expected annual return, and investment period. Supports monthly contributions. Automatically calculates future value and total gains.
Compound interest means earning interest on your interest. For example, if you invest $10,000 at 10% annual return, you earn $1,000 in year one. In year two, your principal becomes $11,000 and you earn $1,100. The compounding effect grows exponentially over time — it's the core principle of long-term investing.
Dollar-cost averaging (regular investing) smooths out your purchase price and avoids buying at market peaks. By consistently investing regardless of market conditions, you lower your average cost basis while building substantial capital. Investing $200/month at 8% annual return for 30 years accumulates approximately $300,000.
Annualized Return = (Final Value / Principal)^(1/Years) - 1. For lump-sum investments, use this formula directly. With regular contributions, use Internal Rate of Return (IRR) for a more accurate measure of true investment performance.
Inflation erodes the real purchasing power of your investments. Real Return = Nominal Return - Inflation Rate. For example, 10% nominal return with 3% inflation yields approximately 7% real return. This tool shows both nominal and inflation-adjusted returns so you understand true value growth.