Project investment growth with recurring contributions, fees, inflation, withdrawals, and three return scenarios.
The projection simulates one month at a time. Beginning events occur before growth; fees and end events are applied in their defined order. Full precision is retained until values are displayed.
Expected, conservative, and optimistic scenarios are hypothetical assumptions—not forecasts or guaranteed outcomes.
Withdrawals are capped at the available balance.
Bₜ = ((Bₜ₋₁ + beginning events) × growth factor × fee factor) + end eventsThis expresses projected purchasing power in today’s money.
real value = nominal value ÷ (1 + inflation rate)^yearsStart with $10,000 on January 1, 2026, contribute $300 at each month’s end for 20 years with no contribution increases or withdrawals, and assume a 7% nominal annual return compounded monthly, a 0.5% annual balance fee, and 2.5% annual inflation. Each month the calculator applies growth and then the fee before the end-of-month deposit. The expected scenario ends at $183,618.07 on January 1, 2046; this includes $72,000.00 in deposits, $109,483.97 in gross growth, and $7,865.90 in fees. Its inflation-adjusted value is $112,056.77. These are simulated, hypothetical values—not forecasts.
Balance-based fees are converted to an equivalent periodic factor and tracked separately from investment growth.
Withdrawals follow their selected timing and frequency and never reduce the balance below zero.
Use conservative and optimistic assumptions to explore sensitivity rather than treating one projection as certain.
Nominal value is the projected account balance; real value estimates its purchasing power after inflation.
CalcRocket simulates each month, applying scheduled contributions and withdrawals, compound growth, and an equivalent periodic investment fee.
Use a cautious long-term assumption appropriate to the investment. Returns are uncertain, so compare the conservative, expected, and optimistic scenarios.
Nominal value is the projected account balance. Real value adjusts that balance for inflation to estimate future purchasing power in today's money.
Fees reduce the balance periodically and also reduce the capital available for future compounding. Even a small annual fee can matter over a long term.
The scenarios show how different annual-return assumptions change the projection. They are illustrations, not forecasts or guarantees.
No. Actual investments can gain or lose value, and past performance does not guarantee future results.
Recurring contributions increase invested capital. Beginning-of-period contributions receive growth sooner than otherwise identical end-of-period contributions.
Scheduled withdrawals are taken at the selected timing and frequency. A withdrawal is capped at the balance available at that event.
The projection records the first depletion date. Growth stops while the balance is zero, but later contributions can restore it.
No. It does not model taxes, trading costs, or every possible investment expense.
Review it when your goals, contributions, fees, time horizon, inflation assumption, or expected return changes.
This calculator models scenarios, fees, inflation, and withdrawals. The Compound Interest Calculator focuses on mathematical compounding and deposits.