Question 1

What does the investment calculator do?

Accepted Answer

It projects how a starting balance plus recurring contributions grow over time at your chosen annual return, showing total contributions vs. investment growth.

Question 2

How often are contributions compounded?

Accepted Answer

Contributions are added on your chosen schedule (typically monthly) and the balance is compounded at the same frequency to model regular dollar-cost averaging.

Question 3

Is investment growth guaranteed?

Accepted Answer

No. Real-world returns vary year to year and can be negative. The calculator uses a constant return assumption for planning only, not a forecast of actual performance.

Question 4

Should I use a nominal or real return?

Accepted Answer

For a straightforward growth projection, use a nominal return. To see purchasing power, subtract an inflation assumption from your nominal return before entering it.

Investment Calculator