About the Investment Calculator
An investment calculator projects how a lump sum plus regular contributions grow at a chosen rate of return. Use Monte Carlo mode to see the distribution of likely outcomes given return volatility.
Assumptions
- Returns are constant in the basic projection — switch to Monte Carlo for return volatility.
- Contributions are added at the start or end of each period exactly as configured.
- Taxes, fund fees, and trading costs are not deducted unless you fold them into the rate.
- Inflation is not subtracted — output is nominal, not real.
Formula
FV = P(1+r)^n + PMT × ((1+r)^n − 1)/r
- FV = Future value
- P = Initial investment
- PMT = Recurring contribution
- r = Periodic return
- n = Number of periods
Frequently asked questions
Should I invest a lump sum or dollar-cost average?
Historically, lump-sum investing has outperformed DCA about two-thirds of the time because markets trend upward. DCA reduces regret and smooths entry during volatile periods.
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