Investment Return Calculator: CAGR & Total Gain
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Investment Return Calculator 📈 💰

Calculate the future value of an investment using compound interest with recurring monthly contributions.

$
$
YRS
%
Future Value of Investment
$0.00
Total Amount Contributed
$0.00
Total Interest Earned
$0.00

The Power of Compound Interest

The **Investment Return Calculator** demonstrates the power of **compound interest**, which is interest calculated on the initial principal and also on all the accumulated interest from previous periods. This "interest on interest" effect is the foundation of long-term wealth building.

How the Calculation Works:

This tool uses the standard formula for a combined lump-sum investment and a stream of periodic payments (an annuity). It assumes **monthly compounding** (interest is calculated 12 times per year), which is typical for modern investment accounts.

The total future value is the sum of two components:

  1. The future value of the **initial lump sum**.
  2. The future value of all **monthly contributions** (annuity).
By separating the total amount contributed from the final future value, you can clearly see the portion of your wealth that was generated purely through investment returns.