Investment Calculator (Free ROI & Growth Calculator)
Use this free investment calculator to calculate your return on investment, project how your money will grow over time, or find out exactly how much you need to invest each month to reach a financial goal.
Investment Calculator
How to Use the Investment Calculator
Choose your mode — ROI Calculator, Investment Growth, or Target Amount. Enter your figures and click Calculate for an instant result with a full year by year breakdown.
What Is ROI?
ROI (Return on Investment) measures how much profit or loss an investment has generated relative to its cost. It’s expressed as a percentage — a 50% ROI means your investment grew by half its original value.
Formula: ROI = ((Final Value − Initial Investment) ÷ Initial Investment) × 100
What Is Compound Interest?
Compound interest is when your returns generate their own returns over time. The longer your money is invested, the more powerful compounding becomes. Even small monthly contributions can grow significantly over 10-20 years due to compounding.
FAQs
What is a good ROI?
A 7-10% annual return is generally considered good for long term investments like index funds. Individual stocks, property and other assets vary widely. Always consider risk alongside return.
How is investment growth calculated?
Using the compound interest formula: A = P(1 + r/n)^(nt) where P is principal, r is annual rate, n is compounding frequency and t is time in years.
What monthly contribution do I need to reach my goal?
Use the Target Amount mode — enter your goal, starting amount, expected return rate and time period. The calculator works out the exact monthly contribution needed.
Does this account for inflation?
No — this calculator shows nominal returns. To account for inflation subtract the inflation rate from your expected return rate before calculating.
Is this calculator free?
Yes, completely free with no sign-up required.