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Free Investment Calculator

Project investment growth with monthly contributions and inflation. Free, no sign-up. See real returns in today's dollars.

Written by FinCalc Tools Editorial Team, Software engineers & finance enthusiasts · Review process: Reviewed quarterly by domain experts

Last updated: 2026-06-12|Next review: 2026-09-12

$
$
%
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Nominal final value

$345,741.64

Real value (inflation-adjusted)

$191,428.76

Total contributions

$130,000.00

Total interest

$215,741.64

Our methodology

All calculations follow industry-standard financial formulas. The compound interest formula A = P(1 + r/n)^(nt) is from the SEC's investor.gov. Loan amortization uses the standard formula M = P × [r(1+r)^n] / [(1+r)^n − 1]. Retirement projections use the 4% safe withdrawal rule. Our code is open source and unit-tested.

References

Sources used to build this calculator:

  • · SEC — Introduction to Investing: investor.gov
  • · IRS — Publication 550 (Investment Income and Expenses): irs.gov

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