Investment Calculator

It uses yearly compounding for simplicity. Each year the balance grows by the annual return rate you enter, and the annual contribution is added at the end of each year as a standard future value annuity.

No. The annual return field is an assumption you choose. Markets fluctuate year to year and can produce negative returns. Treat the result as a planning estimate, not a forecast.

Not directly. The figures are nominal — they do not adjust for inflation, capital gains tax, or fees. If you want a real-terms view, subtract an inflation estimate from the annual return before entering it.