Estimate investment growth, ROI, CAGR, portfolio allocation, fees, inflation impact, and long-term investment return scenarios.
Free Calculator
Estimate investment growth, return on investment, asset allocation, inflation impact, fees, and long-term portfolio scenarios.
Final Portfolio Value
$410,638$227,360 in inflation-adjusted value after 20 years.| Year | Contributions | Returns | Balance | Real Value | Fee Drag |
|---|---|---|---|---|---|
| 1 | $6,000 | $1,041 | $17,041 | $16,545 | $14 |
| 2 | $6,180 | $1,625 | $24,846 | $23,420 | $36 |
| 3 | $6,365 | $2,271 | $33,483 | $30,641 | $69 |
| 4 | $6,556 | $2,986 | $43,025 | $38,227 | $114 |
| 5 | $6,753 | $3,775 | $53,553 | $46,195 | $173 |
| 6 | $6,956 | $4,645 | $65,153 | $54,565 | $248 |
| 7 | $7,164 | $5,603 | $77,920 | $63,356 | $342 |
| 8 | $7,379 | $6,657 | $91,956 | $72,591 | $458 |
| 9 | $7,601 | $7,815 | $107,371 | $82,291 | $598 |
| 10 | $7,829 | $9,086 | $124,286 | $92,480 | $767 |
| 11 | $8,063 | $10,480 | $142,830 | $103,183 | $968 |
| 12 | $8,305 | $12,009 | $163,144 | $114,426 | $1,206 |
| 13 | $8,555 | $13,682 | $185,381 | $126,235 | $1,486 |
| 14 | $8,811 | $15,513 | $209,705 | $138,640 | $1,813 |
| 15 | $9,076 | $17,516 | $236,297 | $151,670 | $2,193 |
| 16 | $9,348 | $19,704 | $265,349 | $165,357 | $2,633 |
| 17 | $9,628 | $22,095 | $297,072 | $179,733 | $3,142 |
| 18 | $9,917 | $24,704 | $331,694 | $194,835 | $3,727 |
| 19 | $10,215 | $27,552 | $369,460 | $210,698 | $4,398 |
| 20 | $10,521 | $30,657 | $410,638 | $227,360 | $5,165 |
Formula
The calculator grows your starting balance and regular contributions using a net annual return after estimated fees and tax drag.
Planning
ROI helps compare investment results, while portfolio allocation shows how asset mix, risk, inflation, and return assumptions affect long-term outcomes.
Use cases
Use it to project long-term balances, compare investment performance, estimate fee drag, test inflation impact, and review portfolio allocation before making decisions.
Use the result as a planning estimate only, then verify assumptions, risks, tax treatment, and investment choices with qualified professionals.
Use the result as a planning estimate only, then verify assumptions, risks, tax treatment, and investment choices with qualified professionals.
Use the result as a planning estimate only, then verify assumptions, risks, tax treatment, and investment choices with qualified professionals.
Use the result as a planning estimate only, then verify assumptions, risks, tax treatment, and investment choices with qualified professionals.
Use the result as a planning estimate only, then verify assumptions, risks, tax treatment, and investment choices with qualified professionals.
Use the result as a planning estimate only, then verify assumptions, risks, tax treatment, and investment choices with qualified professionals.
Calculator details
Last updated: July 2026
Formula used
Future value = starting amount compounded by assumed return plus recurring contributions.
Assumptions
Example calculation
$10,000 invested at 7% for 10 years grows to about $19,672 before fees and taxes.
When to use this calculator
Use it to compare investment goals, contribution plans, and time horizons.
Disclaimer
This calculator is for estimation and educational use only. It does not replace professional financial, tax, legal, mortgage, investment, or accounting advice.
Questions
It estimates future portfolio value, total contributions, investment returns, fee drag, inflation-adjusted value, ROI, CAGR, after-tax gain, and portfolio allocation outcomes based on your inputs.
ROI, or return on investment, compares net gain to original investment cost. It is useful for comparing investments, but it does not always show the effect of time, risk, taxes, or fees.
CAGR is compound annual growth rate. It shows the smoothed annual return that would turn the starting value into the ending value over the holding period.
No. It is for educational planning only. Actual returns, taxes, fees, inflation, risk, timing, account rules, and portfolio performance can vary. Review investment decisions with a qualified financial professional.
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