Monthly Investment Calculator

Turn a monthly habit into long-term wealth

Dollar-cost averaging with a fixed monthly investment can build substantial wealth. Project the outcome for your contribution and timeline.

Example chart of portfolio growth from monthly investing over 25 years at default inputs — Example chart using this page’s default inputs. Adjust the calculator to update the live chart below.

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Starting Balance ($)

Investment ($)

Contribution timing

Expected Annual Return (%)

Compounding

Years Investing

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Projected Balance Over Time

Contributions vs. Growth

Final Breakdown

                    Assumptions: Equal recurring investments and a constant average annual return. Compounding and contribution timing follow your selections above (defaults: annual compounding, end-of-period contributions).
                    Projections are estimates only and not guaranteed returns or financial advice.
                

How This Calculator Works

Your contribution is added at the start or end of each period, and the balance compounds at the frequency you choose. Starting balance is optional.

Example

Investing $300/month for 25 years at 8% can grow to well over $200,000, depending on starting balance.

FAQ

What if I miss a month?

Consistency matters most. Recalculate with a lower average monthly amount if needed.

Does order of returns matter?

In reality, yes (sequence risk). This tool uses a smooth average return.