Regular Investment Calculator
Plan recurring contributions and annual increases.
Please check the input values.
Portfolio growth
Year-by-year breakdown
| Year | Total invested | Growth | Balance |
|---|
Projection assumes a constant annual return compounded monthly. Contributions are made at the end of each contribution period. Tax on gains is deducted once at the end on the difference between the final balance and contributions; inflation is constant and converts the result into today’s money. Both fields default to 0. Fees are excluded. Actual returns are not guaranteed.
How the regular investment calculator works
You enter the starting capital, recurring contribution, frequency (monthly, quarterly or annually), annual contribution increase, return and period. The return is treated as an effective annual rate compounded monthly, and contributions are made at the end of each period. An annual increase (for example 3%) helps model rising income and contributions.
Frequently asked questions
Why increase the contribution every year?
Many people raise their contribution with their income, or at least with inflation, so its real value does not shrink. If you do not need this, enter 0.
Is monthly or annual investing better?
With the same yearly amount, monthly contributions start growing earlier, so the modelled result is slightly higher than a single payment at year-end. In practice, regularity and broker costs matter more.
How is tax handled?
Enter the tax rate on gains: it is deducted once at the end on the difference between the final balance and contributions. For an exact calculation consult a tax adviser.
This information is general and educational and is not investment advice.