Compound Returns Projector

Curated by Vinod Kumar Jain & Amit Jain · All Frontier Global · free, no login

Project compound growth on a lump sum plus a monthly contribution at a return rate you assume. The year-by-year table separates what you put in from what the assumed return added, because that split is the whole point. Illustrative arithmetic, not investment advice and not a prediction — returns are not guaranteed and no rate is suggested here.

The formula, written out

• Monthly rate i = annual return % ÷ 100 ÷ 12. Contributions are treated as arriving at the end of each month.
• Future value of the lump sum = P × (1 + i)^N, where N = years × 12
• Future value of the contributions = C × ((1 + i)^N − 1) ÷ i
• Total = the two added together. When i = 0 the formula collapses to P + C × N.
• Total contributed = P + C × N · Growth = total − total contributed

Honest limits

• This is arithmetic, not a forecast. It compounds one fixed rate you chose. Real returns arrive unevenly, and the order in which good and bad years fall changes the outcome even when the average is identical.
• No rate is suggested and none is embedded. Any figure you enter is your own assumption. If you want to see how much rests on it, run the projection twice with rates two points apart.
• Nothing here adjusts for inflation, tax, fees or currency. A number twenty years out in today’s units is not what it will buy. Subtract fees from your assumed return before entering it, and treat the result as pre-tax.
• Not investment advice. This is a compounding calculator, not a recommendation to invest in anything, and returns are not guaranteed.

Sources

None, and none needed: the future-value formulae above are standard arithmetic and every input is yours. No market data, index return or fund figure is embedded, fetched or implied.

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