Investment
Calculator.
Project the future value of a lump sum and regular contributions with compound interest. Choose your contribution frequency and compounding schedule; the year-by-year breakdown shows how interest snowballs over time.
Compound interest with contributions
With a lump sum PV, a periodic contribution
PMT, periodic rate i = r/n, and total
periods N = n·t:
FV = PV · (1 + i)^N + PMT · ((1 + i)^N − 1) / i (end-of-period) FV = PV · (1 + i)^N + PMT · ((1 + i)^N − 1) / i · (1+i) (start-of-period)
n is the number of contribution/compounding periods
per year (12 for monthly, 52 for weekly, etc.).
Frequently asked questions
What does Investment Calculator do?
Future value with regular deposits and compounding. The whole thing runs in your browser tab, so it is ready the moment the page finishes loading.
Is Investment Calculator free to use?
Yes. Investment Calculator is completely free on ToolMunch — no trial, no premium tier holding back the main feature, and no daily or hourly cap on how many times you can use it.
Do I need to create an account or sign up?
No. There is no account, no email address, and no login. Open Investment Calculator, do the job, and take the result — nothing is gated behind a signup form.
Are the numbers I enter sent to a server?
No. Investment Calculator runs entirely inside your browser tab, so what you type never leaves your own device. Nothing is uploaded, which means there is no copy of it on a server to worry about.
Does Investment Calculator work on Mac, Windows, and phones?
Yes. Investment Calculator runs in any modern web browser on Windows, macOS, Linux, Chromebook, Android, and iOS. There is nothing to download or install.
Can I use it as many times as I want?
Yes. There is no queue, no per-hour quota, and no counter that runs out — run Investment Calculator as often as the work needs.