Investment Calculator

Enter the starting amount, the monthly contribution, the expected annual return and the number of years. The calculator compounds monthly, shows the final value, how much you paid in and how much came from returns, and the value in today’s money after inflation. The year-by-year table shows how the balance grows. Taxes and fees are not included, and past returns do not guarantee future results.

Formula

r_m = (1 + r)^(1/12) − 1
B = B × (1 + r_m) + C   (12× per year)
B_real = B / (1 + i)^n

Calculations run locally in your browser. Results are for information only — for engineering, electrical or financial decisions, verify the assumptions and applicable standards.

• Initial investment (€): 0 · Monthly contribution (€): 100 · Expected annual return (%): 7 · Years: 30 · Inflation per year (%): 2 → Final value: €116,945.26
• Initial investment (€): 50000 · Monthly contribution (€): 0 · Expected annual return (%): 4 · Years: 10 · Inflation per year (%): 2 → Final value: €74,012.21

What annual return is realistic?

Broad global stock markets have historically returned roughly 5–8 % a year over long periods, but with large swings; bonds and savings accounts return less. Past returns do not guarantee future results.

Why does the calculator show the value in today’s money?

Inflation reduces purchasing power. The final value divided by (1 + inflation) to the power of the number of years shows what the amount would be worth today.

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