Project your future balance, separate the money you invest from estimated investment growth, and test the assumptions behind the result.
Your estimated investment path
Over 20 years, you would invest $205,000 and may gain an estimated $272,394 from investment growth.
Starting amount
$25,000
Recurring contributions
$180,000
Estimated investment growth
$272,394
Your results, explained
The total combines the money you invest with the estimated growth generated by the return assumptions you entered.
Estimated total investment value
$477,394
The estimated value of the entire investment after 20 years. It includes your money and estimated growth.
Total money you invest
$205,000
Your $25,000 starting amount plus 240 recurring contributions. Growth is not included.
Estimated investment growth
$272,394
The estimated amount above the money you invest, after the costs entered. It is not guaranteed.
How the total is calculated
Your growth path
The shaded area shows lower and higher return examples based on your assumptions. It is not a guarantee.
You add
$205K
Estimated total value
$477K
Move across the chart or use the slider to inspect any month.
Growth breakdown
Estimated investment growth
$272,394
Total projected value minus your starting amount and recurring contributions. This estimate is not guaranteed.
Reality check
Scenario range
These examples use the return range entered in assumptions. They are not predictions.
Conservative
$477,394
If the annual return averages 7.0%
Base case
$477,394
If the annual return averages 7.0%
Optimistic
$477,394
If the annual return averages 7.0%
Milestones and annual detail
$100,000 milestone
5.8 years
$250,000 milestone
13 years
$500,000 milestone
Beyond 20 years
$1,000,000 milestone
Beyond 20 years
Your starting amount, regular investments, fees, yearly increases, and timing are calculated separately.
See how the estimated result changes when the annual return is lower or higher than expected.
Annual fees, estimated tax drag, transaction fees, and inflation remain editable throughout the projection.
Calculation standard
Questions, answered
It estimates the total value of a starting investment and recurring contributions after your selected period. It separates the money you invest from estimated investment growth so you can understand where the result comes from.
It is the estimated value of the entire investment at the end of the selected period. It equals the total money you invest plus estimated investment growth after the fees and tax impact entered.
It is the estimated total investment value minus your starting amount and recurring contributions. It may reflect interest, dividends, and changes in investment value, less the costs entered. It is not guaranteed.
Yes, slightly. Money invested at the beginning of the month has one additional month to potentially grow. The difference is usually small over a short period but may become larger over a long timeline.
No. The calculator uses smooth hypothetical return assumptions for education and planning. Real investments can rise or fall, returns vary over time, and actual taxes, fees, and outcomes may be different.
Optional assumptions can reduce the estimated annual return for investment fees and tax impact, deduct transaction fees from contributions, and show the estimated ending value in today's dollars using the inflation rate entered.
This calculator focuses on what a recurring investing plan may become. The goal calculator starts with a target amount and estimates whether the plan may reach it and what contribution adjustment may close a shortfall.