Recurring investment calculator
What could monthly investing
grow into over time?
Combine an initial investment with monthly contributions to estimate future assets and growth.
RECURRING INVESTMENT SCENARIOS
Compare estimated assets and growth
by contribution, term, and return.
These scenarios start with no initial investment, add the same contribution at month-end, and apply the annual return in monthly periods. Returns are not guaranteed; taxes and fees are excluded.
By monthly contribution
No initial investment · 8% annual return · 10 years · month-end contributions
- Monthly contribution
- $100
- Total contributions
- $12,000
- Estimated growth
- $6,295
- Estimated final assets
- $18,295
- Monthly contribution
- $300
- Total contributions
- $36,000
- Estimated growth
- $18,884
- Estimated final assets
- $54,884
- Monthly contribution
- $500
- Total contributions
- $60,000
- Estimated growth
- $31,473
- Estimated final assets
- $91,473
- Monthly contribution
- $1,000
- Total contributions
- $120,000
- Estimated growth
- $62,946
- Estimated final assets
- $182,946
By investment period
No initial investment · monthly $500 · 8% annual return · month-end contributions
- Period
- 5 years
- Total contributions
- $30,000
- Estimated growth
- $6,738
- Estimated final assets
- $36,738
- Period
- 10 years
- Total contributions
- $60,000
- Estimated growth
- $31,473
- Estimated final assets
- $91,473
- Period
- 20 years
- Total contributions
- $120,000
- Estimated growth
- $174,510
- Estimated final assets
- $294,510
By annual return assumption
No initial investment · monthly $500 · 10 years · month-end contributions
- Expected annual return
- 4%
- Total contributions
- $60,000
- Estimated growth
- $13,625
- Estimated final assets
- $73,625
- Expected annual return
- 6%
- Total contributions
- $60,000
- Estimated growth
- $21,940
- Estimated final assets
- $81,940
- Expected annual return
- 8%
- Total contributions
- $60,000
- Estimated growth
- $31,473
- Estimated final assets
- $91,473
How it works
Month-end contributions meet
monthly compounding.
01Contribution timing
The initial amount is invested from the start, and each monthly contribution is added at month-end.
What the estimate excludes
The monthly return is held constant. Market volatility, taxes, and fees are not included.
Investing $500 monthly with no initial investment
This example uses an 8% annual return and month-end contributions for 10 years.
- Total contributions
- $60,000
- Estimated value
- $91,473
- Estimated growth
- $31,473
Later contributions have less time to grow than earlier contributions, so contribution timing affects how much of the final value comes from growth.
Frequently asked questions
When is each monthly contribution added?
The calculator adds it at the end of each month. A beginning-of-month plan may produce a slightly different result.
How is the annual return applied each month?
The annual rate is divided into a monthly rate and applied every month. It does not model actual month-to-month market changes.
Can I compare this directly with recurring savings?
Use the amounts as scenario estimates, but remember that an investment return is not fixed in the way a contractual savings rate may be.
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