Investment Growth Calculator · Summary
Based on $10K starting balance, $500/mo contributions and a 20-year horizon at 7% annual return.
Projected portfolio value
$369,418
After 20 years with 7% annual returns and $6,000/yr in contributions
Total contributions
$171,222
Investment gains
$198,195
Time horizon
20 yr
~4% passive income/yr
$14,777
Scenario assumptions
Starting amount
$10K
Monthly contribution
$500/mo
Time horizon
20 years
Expected return
7%
Contribution increase
3%/yr
Display
Nominal
What’s driving this
Of your projected $369K, 46% comes from contributions and 54% from compound growth. Investment returns are the larger driver—compound growth accelerates as your balance grows. Time horizon and expected return are the main levers: a longer horizon and higher return both increase the ending balance and the share from growth. Your 3% annual contribution increase adds meaningfully to the total over 20 years.
This summary is for educational purposes only and does not constitute financial advice. Projections assume constant returns and contributions and do not account for taxes, fees, or market volatility. Actual outcomes will vary. Consult a financial advisor for personalized guidance.