Investment Growth Calculator

Project portfolio growth with contributions, returns and inflation. Monthly rate = annual return ÷ 12. Nominal future value compounds the initial balance and monthly contributions; real value divides nominal value by (1 + inflation)^years. HOW IT WORKS Is monthly or annual contribution better? Monthly contributions benefit from dollar-cost averaging and put money to work sooner. The difference vs annual lump-sum is modest (typically 0.2–0.5% better annualized) but adds up over decades. Validation: Time horizon must be > 0; all other inputs >= 0