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.
Financial Disclaimer
This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.
Inputs
Amount invested each month
Historical S&P 500 average is ~10%, after inflation ~7%
How long you plan to invest
Summary
Future Value
$302,704.11
Inflation-Adjusted Value
$184,731.53
Portfolio Growth Over Time
Growth Breakdown
Lump Sum vs DCA
After-Tax by Account Type
Year-by-Year Projection
20 rows| Year | Contributions | Balance | Growth | Dividends | Real Value |
|---|---|---|---|---|---|
| 1 | $16,000.00 | $16,957.00 | $682.00 | $274.00 | $16,543.00 |
| 2 | $22,000.00 | $24,417.00 | $1,724.00 | $692.00 | $23,240.00 |
| 3 | $28,000.00 | $32,416.00 | $3,151.00 | $1,266.00 | $30,102.00 |
| 4 | $34,000.00 | $40,995.00 | $4,991.00 | $2,005.00 | $37,140.00 |
| 5 | $40,000.00 | $50,195.00 | $7,274.00 | $2,922.00 | $44,365.00 |
| 6 | $46,000.00 | $60,061.00 | $10,032.00 | $4,029.00 | $51,791.00 |
| 7 | $52,000.00 | $70,641.00 | $13,299.00 | $5,342.00 | $59,428.00 |
| 8 | $58,000.00 | $81,987.00 | $17,113.00 | $6,874.00 | $67,290.00 |
| 9 | $64,000.00 | $94,154.00 | $21,513.00 | $8,641.00 | $75,391.00 |
| 10 | $70,000.00 | $107,201.00 | $26,541.00 | $10,660.00 | $83,745.00 |
| 11 | $76,000.00 | $121,193.00 | $32,242.00 | $12,951.00 | $92,367.00 |
| 12 | $82,000.00 | $136,197.00 | $38,666.00 | $15,531.00 | $101,270.00 |
How to Use This Calculator
- Enter your initial investment amount and monthly contribution (e.g., $500/month).
- Set the expected annual return rate — historically 7-10% for a diversified stock portfolio.
- Choose your time horizon in years and select your account type (taxable, traditional, or Roth).
- Toggle dividend reinvestment (DRIP) and set the dividend yield if your portfolio pays dividends.
- Review the future value, inflation-adjusted value, and total return percentage.
- Compare the lump sum vs. dollar-cost averaging (DCA) strategy results at the bottom.
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