Investment Calculator
Project the future value of a lump sum investment.
Future value
417,724.82
After 15.00 years at 10%
Amount invested
100,000.00
Total gain
317,724.82
Value in today’s money
231,947.76
4% inflation
Real (inflation-adjusted) return
5.77%
FV = PV × (1 + r)ᵗ = 100,000.00 × (1 + 0.1)^15.00
- Inflation of 4% reduces the purchasing power of the final amount to 231,947.76 in today’s terms.
- This compounds the rate you entered and makes no prediction about markets.
| Year | Nominal value | Gain | Real value |
|---|---|---|---|
| 1 | 110,000.00 | 10,000.00 | 105,769.23 |
| 2 | 121,000.00 | 21,000.00 | 111,871.30 |
| 3 | 133,100.00 | 33,100.00 | 118,325.42 |
| 4 | 146,410.00 | 46,410.00 | 125,151.88 |
| 5 | 161,051.00 | 61,051.00 | 132,372.18 |
| 6 | 177,156.10 | 77,156.10 | 140,009.04 |
| 7 | 194,871.71 | 94,871.71 | 148,086.48 |
| 8 | 214,358.88 | 114,358.88 | 156,629.93 |
| 9 | 235,794.77 | 135,794.77 | 165,666.28 |
| 10 | 259,374.25 | 159,374.25 | 175,223.95 |
| 11 | 285,311.67 | 185,311.67 | 185,333.02 |
| 12 | 313,842.84 | 213,842.84 | 196,025.31 |
What does Investment Calculator do?
Work out what a one-off investment could be worth after a number of years at a given annual growth rate, and what it is worth in today's money once inflation is accounted for. Also solves in reverse for the rate or the time you need.
How to Use Investment Calculator
- 1Enter the amount investedYour one-off starting investment.
- 2Set the expected annual returnAn assumed percentage per year.
- 3Set the number of yearsHow long the money stays invested.
- 4Add an inflation rateOptional, to see the result in today’s money.
Key Features
- Future value from principal, annual return and number of years
- Inflation-adjusted result so you can see real purchasing power
- Reverse mode: the return needed to hit a target amount
- Year-by-year growth table
Frequently Asked Questions
What is the future value formula?
FV = PV × (1 + r)ᵗ, where PV is the amount invested, r the annual return as a decimal and t the number of years.
Why is the inflation-adjusted figure so much lower?
Because inflation compounds too. At 6% inflation, prices double roughly every 12 years, so a nominal 8% return is only about 1.9% in real terms. The real value is what tells you whether you actually got richer.
What is CAGR?
Compound annual growth rate — the single constant rate that would take your starting value to your ending value over the period. The reverse mode calculates it from two values and a time span.
Are these projections guaranteed?
No. The calculator compounds the rate you enter; it has no view on markets. Real returns fluctuate, can be negative in any given year, and past performance never guarantees future results.
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