---
title: "Regular Investment Calculator: Free Online Tool & FAQs | ShoutingNow"
description: See how a starting balance could grow with compound returns and optional regular deposits or withdrawals. Set annual rate, compounding frequency.
url: "https://shoutingnow.com/tools/regular-investment-calculator/"
image: "https://shoutingnow.com/wp-content/uploads/2026/07/shoutingnow-preview-scaled.webp"
---

# Regular Investment Calculator

Wondering how a starting balance could grow with compound returns and regular deposits or withdrawals? Set the annual rate, compounding frequency, and any contribution increases, then see the estimated future value laid out in a table and chart.

## How to use our investment calculator

1. Choose a currency and enter your starting balance.
2. Enter the annual rate and select compound frequency (daily through yearly).
3. Set the time period in years and months.
4. Optional: add regular contributions (none, deposits, withdrawals, or both).
5. For withdrawals, pick fixed dollar amounts by period, a percent of balance, or a percent of earnings.
6. Optional: set annual deposit or withdrawal increases as a percentage.
7. Click Calculate for estimated future value, accumulated interest, and schedules.

Want savings-style modeling with a separate rate period and compounding controls instead? The [Savings Calculator](https://shoutingnow.com/tools/savings-calculator/) tab above the form covers that.

## How investment growth is calculated

Interest gets applied to the current balance at every compounding period. Deposits and withdrawals process at the **end** of each period, unless you’re just tracking growth without any contributions. The annual rate you enter converts down to a per-period rate based on whatever compound frequency you picked.

### Withdrawal modes

- Fixed dollar withdrawals: set monthly, quarterly, half-yearly, or yearly amounts.
- Percent of balance: pull a percentage of the balance each month or year.
- Percent of earnings: withdraw a percentage of whatever interest that period earned, handy for income-focused portfolios.

### Worked example

Start with $20,000, an annual rate of 5% compounded monthly, run it for 10 years, and add $100 every month:

- Estimated future value comes to roughly $48,468.42
- Accumulated interest adds up to about $16,468.42
- Additional deposits total $12,000.00

## Examples and use cases

### Real-world use cases

- Index fund DCA: an investor models $250 a month into a brokerage account at a 7% annual return over 15 years.
- Income withdrawals: a retiree pulls 4% of earnings each year while leaving principal untouched, which is exactly what the percent-of-earnings mode is built to model.
- Rising contributions: someone sets a 3% annual deposit increase to mirror the yearly bumps in 401(k) contribution limits.

### Related tools

Prefer a present-value-based projection with deposit timing options? Check out the [Future Value Calculator](https://shoutingnow.com/tools/future-value-calculator/).

## Frequently Asked Questions

### What is compound frequency?
It's simply how often earned interest gets folded back into your balance. Compound more often, say monthly instead of yearly, and you squeeze a slightly higher effective return out of the same nominal annual rate.

### What withdrawal options are available?
You can pull fixed dollar amounts on a schedule, a percentage of your balance each period, or just a percentage of earnings. That last option is useful when you want to model income withdrawals without touching your principal.

### What is time-weighted return?
It links together the period-by-period growth on your balance, which makes it easier to compare performance in cases where you're adding or pulling money out during the investment horizon.

### Can I increase deposits each year?
You can, just enter an **annual deposit increase** percentage and your contribution amount grows each year, useful for modeling something like rising 401(k) contributions.

### How is this different from the Savings Calculator?
This [Regular Investment Calculator](https://shoutingnow.com/tools/regular-investment-calculator/) works off an annual rate with investment-style withdrawal modes, while the [Savings Calculator](https://shoutingnow.com/tools/savings-calculator/) lets you quote interest by day, week, or month separately from compounding and gives you fuller frequency options for deposits and withdrawals.

### Are results guaranteed?
They're not, every figure here is an illustrative projection built from whatever you enter. Real investment returns move with markets, fees, and taxes.

```json
[{"@context":"https://schema.org","@type":"Organization","name":"ShoutingNow","url":"https://shoutingnow.com/","logo":{"@type":"ImageObject","url":"https://shoutingnow.com/wp-content/themes/shoutingnow-theme/assets/images/logo.png"},"sameAs":["https://x.com/makani20","https://www.linkedin.com/in/makani20/","https://post-see.com"],"contactPoint":{"@type":"ContactPoint","contactType":"customer support","email":"support@shoutingnow.com","url":"https://shoutingnow.com/contact/"},"slogan":"Learn. Build. Grow."},{"@context":"https://schema.org","@type":"WebPage","name":"Regular Investment Calculator","description":"See how a starting balance could grow with compound returns and optional regular deposits or withdrawals. Set annual rate, compounding frequency.","url":"https://shoutingnow.com/tools/regular-investment-calculator/","inLanguage":"en-US"},{"@context":"https://schema.org","@type":"SoftwareApplication","name":"Regular Investment Calculator","description":"See how a starting balance could grow with compound returns and optional regular deposits or withdrawals. Set annual rate, compounding frequency.","applicationCategory":"UtilitiesApplication","operatingSystem":"Web","url":"https://shoutingnow.com/tools/regular-investment-calculator/","isAccessibleForFree":true,"offers":{"@type":"Offer","price":0,"priceCurrency":"USD","availability":"https://schema.org/InStock","url":"https://shoutingnow.com/tools/regular-investment-calculator/"},"provider":{"@type":"Organization","name":"ShoutingNow","url":"https://shoutingnow.com/","logo":{"@type":"ImageObject","url":"https://shoutingnow.com/wp-content/themes/shoutingnow-theme/assets/images/logo.png"},"sameAs":["https://x.com/makani20","https://www.linkedin.com/in/makani20/","https://post-see.com"],"contactPoint":{"@type":"ContactPoint","contactType":"customer support","email":"support@shoutingnow.com","url":"https://shoutingnow.com/contact/"}}},{"@context":"https://schema.org","@type":"HowTo","name":"How to use Regular Investment Calculator","description":"See how a starting balance could grow with compound returns and optional regular deposits or withdrawals. Set annual rate, compounding frequency.","url":"https://shoutingnow.com/tools/regular-investment-calculator/","inLanguage":"en-US","step":[{"@type":"HowToStep","name":"currency","text":"Choose a currency and enter your starting balance."},{"@type":"HowToStep","name":"annual rate","text":"Enter the annual rate and select compound frequency (daily through yearly)."},{"@type":"HowToStep","name":"time period","text":"Set the time period in years and months."},{"@type":"HowToStep","name":"regular contributions","text":"Optional: add regular contributions (none, deposits, withdrawals, or both)."},{"@type":"HowToStep","name":"For withdrawals, pick fixed dollar amounts by period,","text":"For withdrawals, pick fixed dollar amounts by period, a percent of balance, or a percent of earnings."},{"@type":"HowToStep","name":"annual deposit","text":"Optional: set annual deposit or withdrawal increases as a percentage."},{"@type":"HowToStep","name":"Calculate","text":"Click Calculate for estimated future value, accumulated interest, and schedules."}]},{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What is compound frequency?","acceptedAnswer":{"@type":"Answer","text":"It's simply how often earned interest gets folded back into your balance. Compound more often, say monthly instead of yearly, and you squeeze a slightly higher effective return out of the same nominal annual rate."}},{"@type":"Question","name":"What withdrawal options are available?","acceptedAnswer":{"@type":"Answer","text":"You can pull fixed dollar amounts on a schedule, a percentage of your balance each period, or just a percentage of earnings. That last option is useful when you want to model income withdrawals without touching your principal."}},{"@type":"Question","name":"What is time-weighted return?","acceptedAnswer":{"@type":"Answer","text":"It links together the period-by-period growth on your balance, which makes it easier to compare performance in cases where you're adding or pulling money out during the investment horizon."}},{"@type":"Question","name":"Can I increase deposits each year?","acceptedAnswer":{"@type":"Answer","text":"You can, just enter an annual deposit increase percentage and your contribution amount grows each year, useful for modeling something like rising 401(k) contributions."}},{"@type":"Question","name":"How is this different from the Savings Calculator?","acceptedAnswer":{"@type":"Answer","text":"This Regular Investment Calculator works off an annual rate with investment-style withdrawal modes, while the Savings Calculator lets you quote interest by day, week, or month separately from compounding and gives you fuller frequency options for deposits and withdrawals."}},{"@type":"Question","name":"Are results guaranteed?","acceptedAnswer":{"@type":"Answer","text":"They're not, every figure here is an illustrative projection built from whatever you enter. Real investment returns move with markets, fees, and taxes."}}]},{"@context":"https://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"ShoutingNow","item":"https://shoutingnow.com/"},{"@type":"ListItem","position":2,"name":"Tools","item":"https://shoutingnow.com/tools/"},{"@type":"ListItem","position":3,"name":"Regular Investment Calculator","item":"https://shoutingnow.com/tools/regular-investment-calculator/"}]}]
```