Investment Calculator – Addition.site

What it does
The Investment Calculator on Addition.site lets you estimate how much your money will grow over time when you make regular contributions and earn a compound return. It instantly shows a future‑value figure and a clear line chart that visualises your balance each year. This free tool is for use as a guide only, real world conditions will vary. Read our disclaimers and seek professional investment advice before you commit!

Why you’ll want to use it
- Plan retirement or a big purchase – see how many years it will take to reach a target amount.
- Compare savings strategies – tweak the annual contribution or return rate and watch the impact.
- Share results quickly – the calculator includes a “𝕏” button to post the outcome on X (formerly Twitter) with one click.
- Track progress – copy the final amount to your clipboard and keep a record of your projections.

How to Use the Calculator

1. Enter your starting balance
2. Initial investment ($) – the amount you already have in the account.

3. Default example: $10,000.

4. Add regular contributions

5. Annual contribution ($) – how much you plan to add each year.

6. Default example: $1,000.

7. Set the time horizon

8. Years – how many years you’ll keep investing.

9. Default example: 10 years.

10. Specify the expected return

11. Expected return (%) – the average annual growth rate (compound interest).

12. Default example: 7 %.

13. Click “calculate”

14. The result field updates with the projected future value, formatted as currency.

15. A line chart appears below, showing the balance at the end of each year.

16. Copy or share

17. Click the result field to copy the amount to your clipboard.
18. Click the “𝕏” button to open a pre‑filled tweet with your result.

How the Calculation Works

The calculator uses the standard future‑value formula for compound interest with annual contributions:

FV = P*(1+r)^n + C*[(1+r)^n – 1]/r

• P = initial investment
• C = annual contribution
• r = annual return rate (as a decimal)
• n = number of years

If you set the return rate to 0 %, the formula simplifies to simple addition: FV = P + C*n.

The chart is generated with Chart.js. It plots each yearly balance, giving you a visual sense of growth over time.

Key Definitions

Practical Use Cases

• Retirement Planning – Estimate how many years of saving at a given rate will get you to your target nest egg.
• Education Savings – Project how much you’ll have for a child’s college fund by the time they’re ready to enroll.
• Home Purchase – Determine how long it will take to save for a down payment when you invest monthly or yearly.
• Debt Reduction – Compare investing versus paying down debt by adjusting the return rate and contribution.

Tips for Better Results

1. Use realistic return rates – Historical stock market returns average around 7–8 % per year, but past performance does not guarantee future results.
2. Include all contributions – If you add money more frequently than once per year, divide your contribution by the number of periods and adjust the formula accordingly.
3. Re‑calculate regularly – Market conditions change; revisit your projections every few months.
4. Share with a financial advisor – The chart and figure can be a handy visual aid in discussions.

Summary / Learnings

• By using this calculatore you can learn about investments, ROI, savings, future value, and compound interest.
• You might find this handy for retirement planning, college savings, home down payment, investment growth, planning an annual contribution, or targetting a specific return rate.
• Use Addition.site’s free investment calculator to estimate future value, track ROI, and visualize growth. Adjust initial investment, annual contributions, years, and expected return. Share results on X with one click.

Start calculating today – simply enter your numbers, hit “calculate,” and let the graph show you the path to your financial goals.