What is compound frequency?

Compound frequency is how often earned interest is added back to your balance. More frequent compounding (e.g. monthly vs yearly) produces a higher effective return from the same nominal annual rate.

What withdrawal options are available?

You can withdraw fixed dollar amounts on a schedule, a percentage of your balance each period, or a percentage of earnings only — helpful when modeling income withdrawals while preserving principal.

What is time-weighted return?

Time-weighted return links period-by-period growth on your balance. It helps compare performance when you add or remove money during the investment horizon.

Can I increase deposits each year?

Yes. Enter an annual deposit increase percentage to grow your contribution amount each year — for example, to model rising 401(k) contributions.

How is this different from the Savings Calculator?

The Regular Investment Calculator uses an annual rate with investment-oriented withdrawal modes. The Savings Calculator lets you quote interest by day, week, or month separately from compounding and uses full frequency lists for deposits and withdrawals.

Are results guaranteed?

No. All figures are illustrative projections based on your inputs. Actual investment returns vary with markets, fees, and taxes.

Regular Investment Calculator

Investment calculation for 10 years

Estimated future value

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Accumulated interest

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Starting balance

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Additional deposits

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Time-weighted return

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Breakdown choice

View

Yearly breakdown

Year	Interest	Accrued Interest	Balance

Note: Values produced are for illustrative purposes only and do not constitute advice.

How to use our investment calculator

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

For savings-style modeling with separate rate period and compounding controls, use the Savings Calculator tab above the form.

How investment growth is calculated

Each compounding period, interest is applied to the current balance. Deposits and withdrawals are processed at the end of the period unless you are only tracking growth without contributions. Annual rate is converted to a per-period rate based on your compound frequency setting.

Withdrawal modes

Fixed dollar withdrawals — monthly, quarterly, half-yearly, or yearly amounts.
Percent of balance — withdraw a percentage of the balance each month or year.
Percent of earnings — withdraw a percentage of the interest earned in that period — useful for income-focused portfolios.

Worked example

$20,000 starting balance, 5% annual rate compounded monthly, 10 years, with $100 deposited monthly:

Estimated future value ≈ $48,468.42
Accumulated interest ≈ $16,468.42
Additional deposits = $12,000.00

Examples and use cases

Real-world use cases

Index fund DCA: An investor models $250 monthly into a brokerage account at 7% annual return over 15 years.
Income withdrawals: A retiree withdraws 4% of earnings each year while keeping principal invested — the percent-of-earnings mode models that flow.
Rising contributions: Someone sets a 3% annual deposit increase to mirror yearly 401(k) contribution limit bumps.

For present-value-based projections with deposit timing options, see the Future Value Calculator.