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
≈ 7 Teslas
Inflation-Adjusted Value
$184,731.53
≈ 12 used cars
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.
How the result changes with Time Horizon
| Time Horizon | Future Value | Inflation-Adjusted Value |
|---|---|---|
| 4.9 | $40,995.48 | $36,323.61 |
| 15 | $188,047.14 | $129,840.08 |
| 26 | $505,223.59 | $265,866.19 |
| 36 | $1,103,257.64 | $453,542.29 |
What each input means
- Initial Investment
- Starting investment amount
- Monthly Contribution
- Amount invested each month
- Expected Annual Return
- Historical S&P 500 average is ~10%, after inflation ~7%
- Time Horizon
- How long you plan to invest
- Account Type
- Affects tax treatment of gains
- Dividend Yield
- Annual dividend yield (S&P 500 average ~1.5-2%)
- Compounding Frequency
- How often interest is compounded.
- Expected Inflation
- Historical average is ~3%
- Lump Sum Amount (for comparison)
- Amount to compare lump sum vs DCA
- Tax Filing Status
- Your tax filing status.
- Annual Taxable Income
- For capital gains tax estimation
What each result means
- Inflation-Adjusted Value
- Future value in today's dollars
How this is calculated
Worked example, using the default values
- Identify Input Parameters4 parametersInitial Investment = 10000, Monthly Contribution = 500, Expected Annual Return = 7, Time Horizon = 20 = 12 input(s) provided
- Calculate Future ValueFuture Value302704.11 = $302,704.11
- Calculate Inflation-Adjusted ValueInflation-Adjusted Value184731.53 = $184,731.53
- Calculate Total ContributionsTotal Contributions130000 = $130,000
- Calculate Total ReturnTotal Return172704.11 = $172,704.11
Engine last updated . Checked against 1 independently-derived test — how we verify calculators.
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