See what consistent investing could become.
Project the future value of an initial investment and monthly contributions — including the effect of inflation.
Compounding rewards time, but assumptions still matter.
The calculator compounds the starting balance and each monthly contribution using a constant annual return. It also discounts the result by your inflation assumption to express future wealth in today’s purchasing power.
Future value = principal × (1 + r)ⁿ + future value of recurring contributions
The calculation uses the values you enter and assumes the selected rates remain constant throughout the scenario.
A $15,000 starting balance plus $500 each month compounds differently from a one-off deposit. The result separates money contributed from the growth produced by the assumed return.
Contributions create the foundation
Separate the amount you put in from the growth generated by the investment.
Inflation changes the meaning
A large future number can buy less than it appears, so compare nominal and real values.
Returns are not linear
Markets fluctuate. Use several assumptions rather than treating one smooth projection as a promise.
How to interpret the result
Is the result a prediction?
No. It is a transparent scenario based on your inputs. Returns, inflation, spending and personal circumstances can all develop differently.
How often should I update the calculation?
After a major financial change and at least a few times a year. For long-term decisions, consistent updates matter more than a one-time perfect estimate.
Does this calculator store my numbers?
No. The calculation runs in your browser. If you want history and a recurring monthly view, you can manage your figures inside Hugo.
Educational tool, not personal advice. Results use only your inputs and general assumptions. They are not investment, tax, legal or accounting advice.