Project investment growth with recurring contributions, fees, inflation, withdrawals, and three return scenarios.
The projection simulates one month at a time. Scheduled beginning events occur before growth; end events occur after growth and fees. The selected nominal return and compounding frequency produce an equivalent monthly growth factor, preserving full precision until display.
Monthly, quarterly, or annual deposits are added at the chosen timing. Annual increases change future deposits on each 12-month anniversary.
The annual balance-based fee becomes an equivalent periodic rate using the selected compounding frequency, then an equivalent monthly factor. Fees are deducted and tracked separately rather than simply subtracted from the return assumption.
Purchasing power uses real value = nominal value ÷ (1 + inflation rate)^years elapsed. Zero inflation makes nominal and real values equal.
Withdrawals follow their selected frequency, timing, and optional start date. They never make the balance negative; later contributions can restore a depleted balance.
The expected return is shown alongside conservative and optimistic assumptions, defaulting to two percentage points below and above it. Advanced settings can customize both.
Nominal balance is the projected account value. Inflation-adjusted balance estimates what that amount could buy in today’s dollars.
Each event is applied in order for every month; withdrawals are capped at the available balance.
Bₜ = ((Bₜ₋₁ + beginning events) × growth factor × fee factor) + end eventsStarting with $10,000 on January 1, 2026, adding $300 at each month’s end for 20 years, assuming 7% annual return compounded monthly, a 0.5% annual fee, 2.5% inflation, and no withdrawals produces an expected nominal balance of $183,618.07 and inflation-adjusted value of $112,056.77. The calculator’s full-precision engine is the source of these figures.
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.