Use the free Account Value Calculator on ToolVexa to project what an account could be worth after regular contributions and investment growth. Enter your starting balance, monthly contribution, expected annual return and time horizon, press Calculate, and the projection appears straight away.
How to Use
Enter the amount already in the account, the amount you plan to add each month, the expected annual return as a percentage and the number of years. Press Calculate to see the estimated future value, your total contributions and the growth on top of them.
Formula in Plain Words
The calculation compounds monthly. Each month, the balance grows by one twelfth of the annual return, and your monthly contribution is added. Over many months, growth builds on earlier growth, which is why starting earlier and contributing regularly can make a large difference over time.
Worked Example
Starting with $10,000, adding $200 per month at a 5% annual return for 10 years gives a future value of about $47,527. Total contributions are $34,000, so about $13,527 of the result is investment growth. Actual returns vary, so this is a projection, not a guarantee.
FAQs
Is the return guaranteed? No. Investment returns go up and down, and the result changes with the return you enter.
Does this include fees or tax? No. Fees, tax and inflation are not included, so a real account result may differ.
What if I contribute yearly instead? Divide a yearly amount by 12 for a rough monthly equivalent, or test different monthly amounts to compare.