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Calcimator

Investment Portfolio Calculator

Comprehensive investment calculator. Project future value with compound interest, dividend reinvestment, and regular contributions. Compare lump sum vs DCA, calculate Rule of 72 doubling time, and see tax-adjusted returns for different account types.

Inputs

$
$

Amount invested each month

%

Historical S&P 500 average is ~10%, after inflation ~7%

years

How long you plan to invest

%

Summary

Future Value

$302,704.11

Inflation-Adjusted Value

$184,731.53

Total Contributions$130,000
Total Return$172,704.11
Total Return %132.85%
Total Dividends$49,490.72
Price Appreciation$123,213.4
Years to Double (Rule of 72)10.3 years
Times Money Doubles1
Lump Sum Result$61,915
DCA Result$60,106
Better StrategyLump Sum wins
Difference$1,809
Account TypeTaxable
After-Tax Value$276,798
Estimated Tax Drag$18,162
Inflation Impact$117,972.59
Purchasing Power Loss39%

Portfolio Growth Over Time

Growth Breakdown

Lump Sum vs DCA

After-Tax by Account Type

Year-by-Year Projection

20 rows
YearContributionsBalanceGrowthDividendsReal Value
1$16,000$16,957$682$274$16,543
2$22,000$24,417$1,724$692$23,240
3$28,000$32,416$3,151$1,266$30,102
4$34,000$40,995$4,991$2,005$37,140
5$40,000$50,195$7,274$2,922$44,365
6$46,000$60,061$10,032$4,029$51,791
7$52,000$70,641$13,299$5,342$59,428
8$58,000$81,987$17,113$6,874$67,290
9$64,000$94,154$21,513$8,641$75,391
10$70,000$107,201$26,541$10,660$83,745
11$76,000$121,193$32,242$12,951$92,367
12$82,000$136,197$38,666$15,531$101,270
How to Use This Calculator
  1. Enter your starting values to generate a projected timeline or schedule. The calculator will build a period-by-period breakdown so you can see how values change over time.
  2. Initial Investment — Starting investment amount Accepts values from $0 to $10,000,000 (default: $10,000).
  3. Monthly Contribution — Amount invested each month Use the slider for quick adjustments or type a precise value. Accepts values from $0 to $5,000 (default: $500).
  4. Expected Annual Return — Historical S&P 500 average is ~10%, after inflation ~7% Use the slider for quick adjustments or type a precise value. Accepts values from 0 % to 15 % (default: 7 %).
  5. Time Horizon — How long you plan to invest Use the slider for quick adjustments or type a precise value. Accepts values from 1 years to 40 years (default: 20 years).
  6. Account Type — Affects tax treatment of gains Choose from: Taxable Brokerage, Traditional IRA/401(k), Roth IRA/401(k). default: 0.
  7. Dividend Yield — Annual dividend yield (S&P 500 average ~1.5-2%) Accepts values from 0 % to 10 % (default: 2 %).
  8. Reinvest Dividends (DRIP) — enter your preferred option from the dropdown. Choose from: Yes - Reinvest all dividends, No - Take dividends as cash. default: 1.
  9. Expand "Advanced Options" for additional fine-tuning. These optional inputs let you model more specific scenarios:
  10. Compounding Frequency — How often interest is compounded. Choose from: Daily (365), Monthly (12), Quarterly (4), Annually (1). default: 12.
  11. Expected Inflation — Historical average is ~3% Accepts values from 0 % to 10 % (default: 2.5 %).
  12. Lump Sum Amount (for comparison) — Amount to compare lump sum vs DCA Accepts values from $0 to $1,000,000 (default: $16,000).
  13. Tax Filing Status — Your tax filing status. Choose from: Single, Married Filing Jointly, Married Filing Separately, Head of Household. default: 0.
  14. Annual Taxable Income — For capital gains tax estimation Accepts values from $0 to $2,000,000 (default: $85,000).
  15. Once all inputs are set, review your results in the Results panel. Here's what each output means:
  16. Future Value — shown as a dollar amount. This is the primary result of this calculator.
  17. Inflation-Adjusted Value — Future value in today's dollars This is the primary result of this calculator.
  18. Total Contributions — shown as a dollar amount.
  19. Total Return — shown as a dollar amount.
  20. Total Return % — shown as a numeric value.
  21. Total Dividends — shown as a dollar amount.
  22. Price Appreciation — shown as a dollar amount.
  23. Years to Double (Rule of 72) — shown as a numeric value.
  24. Times Money Doubles — shown as a numeric value.
  25. Lump Sum Result — shown as a dollar amount.
  26. DCA Result — shown as a dollar amount.
  27. Better Strategy — your calculated result.
  28. Difference — shown as a dollar amount.
  29. Account Type — your calculated result.
  30. After-Tax Value — shown as a dollar amount.
  31. Estimated Tax Drag — shown as a dollar amount.
  32. Inflation Impact — shown as a dollar amount.
  33. Purchasing Power Loss — shown as a numeric value.
  34. Scroll down to explore 4 charts (Portfolio Growth Over Time, Growth Breakdown, Lump Sum vs DCA, After-Tax by Account Type) for a visual breakdown of the data.
  35. Check the Year-by-Year Projection for a detailed row-by-row breakdown. This is useful for spotting trends or finding values at specific points.
  36. Explore the related calculators below if you need deeper analysis or want to approach this topic from a different angle.
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