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.
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.
Related calculators
Retirement Calculator
Project your nest egg at retirement.
Compound Interest Calculator
Visualize the power of compounding.
Dollar-Cost Averaging Calculator
DCA schedule vs. lump-sum investing.
Future Value Calculator
Future value of a present amount.
Average Return Calculator
Arithmetic and geometric return.
ROI Calculator
Return on investment.