Investment Growth Calculator (Compound Interest)
Project your balance with monthly compounding and regular contributions. Returns are shown net of annual fees.
New to compounding? Read the explainer →
Your assumptions
Final balance
$281,775
Total contributions
$130,000
Total earnings
$151,775
Projection
Yearly snapshot of total balance, amount contributed, and earnings.
Yearly projection
| Year | Balance | Contributed | Earnings |
|---|---|---|---|
| 1 | $16,852 | $16,000 | $852 |
| 2 | $24,162 | $22,000 | $2,162 |
| 3 | $31,963 | $28,000 | $3,963 |
| 4 | $40,285 | $34,000 | $6,285 |
| 5 | $49,165 | $40,000 | $9,165 |
| 6 | $58,640 | $46,000 | $12,640 |
| 7 | $68,749 | $52,000 | $16,749 |
| 8 | $79,535 | $58,000 | $21,535 |
| 9 | $91,044 | $64,000 | $27,044 |
| 10 | $103,323 | $70,000 | $33,323 |
| 11 | $116,425 | $76,000 | $40,425 |
| 12 | $130,404 | $82,000 | $48,404 |
| 13 | $145,320 | $88,000 | $57,320 |
| 14 | $161,234 | $94,000 | $67,234 |
| 15 | $178,214 | $100,000 | $78,214 |
| 16 | $196,332 | $106,000 | $90,332 |
| 17 | $215,662 | $112,000 | $103,662 |
| 18 | $236,288 | $118,000 | $118,288 |
| 19 | $258,294 | $124,000 | $134,294 |
| 20 | $281,775 | $130,000 | $151,775 |
Assumes even contributions monthly and a constant net return (return − fees) compounded monthly.
FAQs
What does the Investment Growth Calculator do?▾
It projects how your investment balance grows over time with compound interest and regular contributions, showing final balance, total contributions, and earnings net of fees.
How does compounding affect my investment?▾
Compounding means you earn returns on both your initial investment and the returns already earned, causing your balance to accelerate over time. The longer you invest, the stronger the effect.
Are the results adjusted for inflation?▾
No. Results are shown in nominal terms unless you manually adjust the return rate for expected inflation. You can use a lower return rate to approximate real (after-inflation) growth.
Are fees and taxes included?▾
You can specify annual fees in percentage terms, and the calculator deducts them from returns automatically. It does not include personal tax, which varies by individual circumstances.
Can I use this calculator for Australian superannuation?▾
Yes. The calculator works for superannuation or any investment that compounds over time. Just enter your super balance, expected return, and regular contributions to see projections.
This calculator is general information only. It does not consider your personal objectives, financial situation, or needs. Consider speaking with a qualified professional.