Investment Growth Projector
Project how an investment grows over time with regular contributions.
Growth with steady contributions
Unlike a one-off lump sum, most real investing adds money regularly, and this projects how a starting amount plus ongoing contributions grows over time at an assumed rate. It shows the combined effect of compounding and consistent investing, which is how most wealth is actually built.
Enter your starting amount, contributions, rate and time to see the projection.
Contributions and compounding together
The projection reveals something motivating: over long periods, the growth on your money eventually dwarfs the contributions themselves, as compounding takes over. Early on, your contributions are most of the balance; later, the returns are. This is why two things matter enormously — starting early, so compounding has time to work, and contributing consistently, so there is a growing base for it to work on. The assumed rate is just that, an assumption, and real returns vary year to year and are not guaranteed, so treat the curve as an illustration of the mechanism rather than a forecast. This is not financial advice; a qualified adviser is the right source for your own plan.
Frequently asked questions
What does this show that a lump-sum calculator doesn't?
The effect of adding money regularly — how ongoing contributions plus compounding build a balance over time, which is how most wealth is actually accumulated.
Is the projected figure guaranteed?
No — the rate is an assumption and real returns vary and are not guaranteed. Treat the projection as illustrating the mechanism, not a forecast.
Is this financial advice?
No — it is an illustration. Your own investment plan is a matter for your judgement or a qualified adviser.