Investment Calculator

See how contributions and compounding combine over your time horizon.

Initial investment

Monthly contributionper month

Expected annual return7-8% diversified

Time horizon

Expense ratioannual fees

Future value

$611,882

Growth 71.4%

Initial investment$25,000

Contributions$150,000

Investment growth$436,882

Total invested$175,000

Total fees paid$11,497

Fee impact on growth-$47,135

At 0.2% fees, you end with $611,882. Without fees: $659,018.

Portfolio Growth Over Time

Conservative (5%)

$359,380

$184,380 growth

Moderate (8%)

$611,882

$436,882 growth

Aggressive (11%)

$1,085,058

$910,058 growth

Year-by-Year Breakdown

Year	Deposits	Growth	Fees	Total invested	Balance
1	$6,000	$2,238	$57	$31,000	$33,181
2	$6,000	$2,899	$74	$37,000	$42,006
3	$6,000	$3,612	$93	$43,000	$51,526
4	$6,000	$4,381	$112	$49,000	$61,794
5	$6,000	$5,211	$134	$55,000	$72,871
6	$6,000	$6,105	$157	$61,000	$84,820
7	$6,000	$7,070	$181	$67,000	$97,709
8	$6,000	$8,112	$208	$73,000	$111,613
9	$6,000	$9,235	$237	$79,000	$126,611
10	$6,000	$10,446	$268	$85,000	$142,789
11	$6,000	$11,753	$301	$91,000	$160,240
12	$6,000	$13,163	$338	$97,000	$179,065
13	$6,000	$14,683	$376	$103,000	$199,372
14	$6,000	$16,323	$419	$109,000	$221,277
15	$6,000	$18,093	$464	$115,000	$244,906
16	$6,000	$20,001	$513	$121,000	$270,394
17	$6,000	$22,060	$566	$127,000	$297,889
18	$6,000	$24,281	$623	$133,000	$327,547
19	$6,000	$26,677	$684	$139,000	$359,540
20	$6,000	$29,261	$750	$145,000	$394,051
21	$6,000	$32,049	$822	$151,000	$431,278
22	$6,000	$35,056	$899	$157,000	$471,434
23	$6,000	$38,299	$982	$163,000	$514,752
24	$6,000	$41,798	$1,072	$169,000	$561,478
25	$6,000	$45,573	$1,169	$175,000	$611,882

How investment returns work

Returns compound, so you earn on prior gains as well as contributions. Time is the largest factor: a decade of growth can produce more than the first two decades of saving. Regular contributions add new principal that compounds too.

The hidden cost of fees

Expense ratios compound against you. The difference between 0.03% index funds and a 1% active fund is enormous over decades. Keep total costs below 0.5% and compare the fee impact line above.

Use realistic assumptions

A diversified portfolio has historically returned roughly 7% to 8% nominal. Test the conservative and aggressive scenarios, and remember returns are not smooth: some years are negative.

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Estimates for planning only. Actual results depend on your market, lender, and personal circumstances. Confirm important decisions with a qualified professional.