Recurring investment calculator
Estimate monthly investing with end-of-month deposits, a nominal annual return, and a balance table. Calculate free in your browser.
Deposits are made at the end of each month and earn no interest in that month.
The annual return is a nominal annual rate. Monthly rate = annual rate ÷ 100 ÷ 12, compounded monthly. Use the same currency for all amounts.
- Final amount
- Total contributions
- Accumulated return
Actual returns vary. Taxes, fees, and inflation are excluded. Only displayed amounts are rounded to two decimal places.
Up to 12 months: monthly rows. Longer periods: annual summaries (multiple-year intervals for very long periods), including the initial and final balances.
| Month | Final amount | Total contributions | Accumulated return |
|---|---|---|---|
| 0 | 1,000 | 1,000 | 0 |
| 1 | 1,110 | 1,100 | 10 |
| 2 | 1,221.1 | 1,200 | 21.1 |
| 3 | 1,333.31 | 1,300 | 33.31 |
| 4 | 1,446.64 | 1,400 | 46.64 |
| 5 | 1,561.11 | 1,500 | 61.11 |
| 6 | 1,676.72 | 1,600 | 76.72 |
| 7 | 1,793.49 | 1,700 | 93.49 |
| 8 | 1,911.42 | 1,800 | 111.42 |
| 9 | 2,030.54 | 1,900 | 130.54 |
| 10 | 2,150.84 | 2,000 | 150.84 |
| 11 | 2,272.35 | 2,100 | 172.35 |
| 12 | 2,395.08 | 2,200 | 195.08 |
Your inputs stay on this device.
How to use
- Enter the initial amount, monthly deposit, and nominal annual return.
- Set the duration in whole months (0–120,000); deposits are made at month end.
- Review total contributions and earnings, then copy the conditions and balance table.
Let P be the initial amount, C the monthly deposit, r = annual return / 100 / 12, and n the number of months. Balance = P × (1 + r)^n + C × ((1 + r)^n − 1) / r. At 0%, balance = P + C × n. For P = 1,000, C = 100, 12%, and one month, the result is 1,110. All calculations run free in your browser.