How This Investment Return Calculator Works (Monthly Contributions + CAGR)
If you invest an initial amount and keep adding money every month, the long-term results can grow faster than most people expect. That’s because your money can compound — meaning your gains can start earning gains too.
What You Can Calculate Here
- Future Value of your portfolio after a chosen number of years.
- Total Contributions (initial + all monthly deposits).
- Interest Earned (future value minus total contributions).
- A clean year-by-year growth table to visualize progress.
Why CAGR Is Useful
CAGR (Compound Annual Growth Rate) is a “smooth” average growth rate. It helps compare investments using one clean percentage. Real markets are volatile — but CAGR is still helpful for planning.
Related Calculators
- Investment Calculator – general investment planning.
- CAGR Calculator – growth rate between two values.
- Compound Interest Calculator – interest growth scenarios.
Frequently Asked Questions
1. What does “monthly compounding” mean?
It means the annual rate is converted to a monthly rate and applied every month (rate ÷ 12).
2. Does this include taxes, inflation, or investment fees?
No. For a conservative estimate, reduce your annual rate to reflect fees and taxes.
3. What if my return rate is 0%?
The calculator still works — your future value will simply equal your total contributions.
4. Can I use this for US, UK, or global investing?
Yes. Choose your currency, enter your assumptions, and use it for planning worldwide.
5. Why does the year-by-year table sometimes show a “Final (X months)” row?
If you enter a non-integer year value (like 7.5), it will add a final partial-period row.