Investment Calculator

Managing your finances can be a challenging feat, especially when you have multiple sources of income to account for. Our investment calculator makes monitoring your investment income unintimidating, intuitive, and effective.

By entering a few key figures, you can create investment goals, forecast investment growth, and search for opportunities to boost your portfolio’s success!

Investment Calculator

First, tell us about your investment plan by filling in the fields below.

1Investment Plan:

Starting Amount:

Amount of initial investment: Total amount you will initially invest or currently have invested toward your investment goal.

Years to Accumulate:

Years to accumulate: The number of years you have to save.

Expected Rate of Return:

Expected rate of return on investment: This is the rate of return an individual would expect from their investment. It is important to remember that these scenarios are hypothetical and that future rates of return cant be predicted with certainty and actual rate of return can very widely over time.

Contribution Amount:

Periodic contribution: The amount you will contribute each period and the frequency at which you will make regular contributions to this investment.

Every WeekEvery Two WeeksPer MonthPer QuarterPer Year

* Figures are calculated at the end of the specified period

2Taxes:

Expected Inflation Rate:

Expected inflation rate: This is what you expect for the average long-term inflation rate. A common measure of inflation in the U.S. is the Consumer Price Index (CPI).

Overall Effective Tax Rate:

Overall effective tax rate: Effective Tax Rate (ET)=Taxes Paid / Taxable Income. The effective tax rate is the average tax rate paid on all of an individuals income. If you do not know your Effective Tax Rate you can enter your Marginal Federal Tax Rate

Your Investment Results:

Balance in Year 2020: $0

Reset

$0

Starting Amount

$0

Total Contributions

$0

Total Growth

Investment Growth Over Time

Investment Breakdown

.Starting Amount

.Total Contributions

.Total Growth

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How to Use the Investment Growth Calculator

Our investment growth calculator is simple to use and even easier to interpret. Here’s how:

1. Enter the Starting Amount of your investment
   • This is the initial investment you made in this security. If you opened the investment with $8,000, enter $8,000 in the first box. If you started with $100, enter $100.
2. Indicate Years to Accumulate
   • Years to accumulate is the amount of time you intend to hold onto your investment. Typically, investments that mature for longer, become more valuable than those which are sold faster. Input the years you intend to hold onto your investment here.
3. Enter the Rate of Return on your investment
   • Rate of return is the expected net gain or loss on an investment over time. Rate of return is calculated as a percentage. Here’s how to calculate the rate of return on your investment:
   • Rate of return = [Current value of investment – Initial value of investment / Initial value] x 100
   • Note: Your rate of return may fluctuate over time due to unpredictable factors like stock market changes, federal interest rates, and investment security. That said, using a 4% rate of return can give you a more accurate, safer result. Including a higher rate of return may create an overly positive view of your investment growth, without accounting for potential losses.
4. Fill in Contribution Amount
   • If you contribute to this investment fund on a regular basis, you’ll want to enter how much you typically invest and how often here. Enter the average amount you contribute, then select one of these options from the dropdown menu: Annually, Semi-Annually, Monthly, Bi-Weekly, Weekly.

Important Investing Terms to Know

Starting Balance: A starting balance is the amount that you initially invested when you purchased the investment. You might start by investing $100 or $1,000, no matter how big or small your investment, you can calculate its potential using our investment growth calculator.

Contributions: This is the amount of money you add to your investment over time. This amount will impact the growth of your investment and is a key metric featured in our investment calculator. If you contribute $100 to your retirement fund each month, you would include this in the additional contributions field.

Rate of Return: How much you expect to profit on your investment, expressed in a percentage.

Years to Accumulate: The amount of time you expect to hold onto your investment before selling or otherwise withdrawing capital.

Liquidate: Selling your assets for cash or cash equivalents.

Liquidity: How easily or quickly an asset can be liquidated, or sold, for cash or cash equivalents.

Net Gain: The amount of money earned on an investment, not including the amount paid for the investment.

Net Loss: The amount of money lost on an investment.

Investment Budget: The amount of money you can afford and feel comfortable investing. Want to learn how to budget and boost your investable income? Mint helps you create personalized budgets designed to support your personal and financial goals.

Investment Portfolio: All of the investments you own: stocks, bonds, mutual funds, ETFs, retirement funds, etc. Check out our post on how to strengthen your investment portfolio to learn more.

FAQs

General investing FAQs

What are the different types of investments?

There are several types of investments to choose from, including:

• Stocks: Shares of company ownership traded on the stock market.
• Bonds: Loans that are financed by investors. They’re typically used by companies and government organizations.
• Mutual Funds: Investment funds that are financed by multiple investors; index funds are one example of mutual funds.
• Exchange-Traded Funds: Investment funds that consist of different assets, including, stocks, bonds, and commodities.

Other types of investments can include real estate, retirement funds, and peer-to-peer loans.  Each investment type has its own set of pros and cons, so be sure to consider your unique financial situation to find the right investment vehicle for your needs!

What is a good rate of return?

Different investment types have different return rate potential! Generally, riskier investments hold higher potential for higher return, but they also have higher potential for loss. By considering historical averages, you can get a better idea of how your expected rate of return holds up.

How do I learn more about investing and investment strategy?

You can learn more about how to start investing, how to build your investment budget, what newbie investor mistakes to avoid, and more on the Mint blog. But the learning opportunities shouldn’t stop there!

Here are a few other resources you may want to check out to boost your investment knowledge:

• Investor.gov
• SEC.gov
• Reputable investment publications
• Books from respected economists

Investment calculator FAQs

How do I calculate what my initial investment will be in a few years?

Using our investment growth calculator, you can watch your investments grow years down the road. Just enter your starting investment balance, additional contributions, rate of return, and the number of years you want to factor into the equation.

Let’s say you started with a $150 investment, adding $10 per month at a 4% rate of return, and you want to see how much it will grow in five years. Enter the information as follows:

• Starting Amount: $150
• Additional Contributions: $10, monthly
• Rate of Return: 4%
• Years to Accumulate: 5

Once you’re done, our investment calculator will show how much your investment is forecasted to grow.

What does the pie chart view say about my investment growth?

The pie chart simply gives you another perspective to look at your investment growth. View how your starting balance, total contributions and forecasted balance shift over time as your investment strategy changes.

What types of investments does this calculator work with?

Our investment calculator works with all investment types, including, stocks, bonds, mutual funds, high-yield savings accounts, and retirement funds.

If you’re using the calculator to help you forecast growth for stocks, it’s important to consider the volatility of your investment portfolio. Stocks that are considered more volatile are typically more risky and therefore,  more susceptible to changes in the market. This means that the rate of return on your investments could be really high one day and lower the next day.

To factor this unpredictability into your calculations, use a more conservative percentage for your rate of return.

How can I use this investment calculator to create goals?

One of the best applications of this tool is that it’s also an investment goal calculator. By looking at the future of your investments with a few key metrics, you can see the growth potential for your investments with your current strategy, and experiment with other possibilities. How much more valuable will your investment be if you contribute to it more frequently? What would happen if you contributed some of your income into a new investment with a higher rate of return?

Use our investment growth calculator in tandem with our budget calculator for an even more holistic view of your financial health and potential.

How will taxes impact my investments?

Ah, taxes, they have a funny way of impacting just about every aspect of your finances. There are two main ways that taxes can make an imprint on your investments:

1. Taxes can change your investable income. Since taxes almost always reduce your annual income, they typically reduce the amount of money you can afford to invest, also known as your investable income. However, if you plan to invest the money you get back on your tax refund, things could work out in your favor. While a tax refund isn’t extra money—it’s the amount you’ve overpaid—it can be convenient to keep the balance out of sight and with the IRS until you’re ready to invest.
2.  Taxes can reduce the value of your investment. When it comes time to cash out on your investment, don’t forget to set aside some for Uncle Sam. Long-term investment gains are typically taxed at a reduced rate while income from interest is generally taxed as ordinary income at the federal level. Depending on which state you live, your investment gains may also be subject to state capital gains taxes.

Because tax regulations and rates vary depending on several factors, our investment calculator cannot account for the impact of taxes on your investment.

What happens if I change something about my investment, like stop making contributions?

If you decide to make changes to your investment strategy, like ending your contributions or liquidating earlier than planned, the outcome of your initial calculations will change. If you decide to make a change in your strategy, simply reflect these changes and use our investment calculator for an updated view of your investments.