Investment Calculator
Last updated: June 2026 · Free · No sign-up required
Enter values above and click Calculate to see your result instantly.
Quick reference
Future value of $10,000 with no extra contributions:
| Annual return | 10 years | 20 years | 30 years |
|---|---|---|---|
| 5% | $16,289 | $26,533 | $43,219 |
| 7% | $19,672 | $38,697 | $76,123 |
| 10% | $25,937 | $67,275 | $174,494 |
savings Plan with confidence
Finance decisions get a lot easier when you can see the full picture. Enter your numbers above to see total payments, interest paid, and the long-term cost of every choice — so you can compare options side by side before signing anything.
percent How the math works
We use the standard amortization, compound-interest and present-value formulas published by the Consumer Financial Protection Bureau and the Federal Reserve. The methodology block below shows every variable and rounding step we apply, so the answer is never a black box.
shield_lock Your data stays private
Every calculation happens in your browser with JavaScript — your income, balances, and loan numbers are never sent to our servers, logged, or shared. Close the tab and the inputs vanish. No sign-up, no tracking pixels on the form, no spreadsheet emailed to you later.
lightbulb Pro tip
Save the URL after you calculate — your inputs aren't stored, so write down the headline number plus the breakdown. Then come back and edit one variable at a time (down payment, rate, term) to see exactly which lever moves your monthly figure the most. That's where the real planning happens.
Interpretation guide
| Metric | Use it for |
|---|---|
| ROI | Simple total gain relative to initial amount |
| CAGR | Annualized growth rate across multiple years |
| Volatility | Real returns are uneven; run conservative and optimistic cases |
Formula & methodology
Formula: FV = PV × (1+r)^t plus periodic contribution growth
Investment projections compound returns by period. They do not predict market performance; they show what happens if the return assumption is achieved consistently.
Authoritative source: SEC Investor.gov