Elite Future Value (Investment) Calculator | WikiBudget

📈 Elite Future Value (Investment) Calculator

Estimate how your investments or savings grow over time using compound interest and regular contributions. Compare different return rates and contribution plans side by side.

📊 Compound growth 💰 Contributions vs growth 🌐 Live S&P 500 trend
WikiBudget Elite Tool Privacy-first • No data saved • Runs in your browser

🧮 Investment Details

Start with a lump sum, add monthly contributions, and choose your time horizon and return rate.

$
How much you already have invested or saved today.
$ /mo
Amount added every month going forward.
years
How long you plan to keep investing.
%
Use your own assumption or load a long-term S&P 500 average.
Contributions at the beginning of each period have a slight growth boost.
Quickly set a typical return rate based on your risk profile.
Use the live button to anchor your assumptions to historical market data.
Quick preview
$0
Estimated future value updates as you type.
⚡ Live as you type
Adjust contributions or years to see the power of compounding.
📚 Understanding future value & compound growth

What is future value?

Future value is the amount your money grows to after earning interest over time. It combines your starting balance, regular contributions, and your rate of return.

Why regular contributions matter

Even modest monthly contributions can have a huge impact when combined with compound interest. Adding a little more each month often beats chasing a slightly higher rate of return.

Using market returns wisely

  • Stocks (like the S&P 500) have higher average returns but larger ups and downs.
  • Bonds and cash are steadier but typically grow slower.
  • Plan with realistic returns and re-check at least once a year.

🏆 Growth Summary

See your final balance, total contributions, and how much of your future value is pure growth.

Live S&P rate loaded
Future value
$0
Based on your starting balance, monthly contributions, time horizon, and expected return.
💰 Total contributions: $0 📈 Total growth: $0
💡 Long-term compounding snapshot
With this plan, about 0% of your future balance is market growth—not just what you put in.
Total contributions
$0
🔄 Monthly deposits over time
Total growth
$0
🚀 Interest & returns
Effective annual return
0%
🎯 Based on your inputs
Market anchor: S&P 500 long-term average
We estimate a long-term annualized return from S&P 500 data so you can sanity-check your assumptions.
Contributions vs growth
How much of your final balance comes from your own deposits vs growth.
Growth over time
Track your projected balance year-by-year and see compounding in action.