Sumyard

Investment growth calculator

Compare growth scenarios after entered fees and inflation.

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Your inputs

Updates as you type

base-case nominal balance

$45,624.83

Inflation-adjusted
$35,642.04

These are illustrative constant-return scenarios, not probabilities or forecasts.

Calculations happen in your browser. Saving is optional.

Calculation breakdown

3 rows · View table
Investment growth calculator — calculated breakdown
ScenarioNet annual returnNominal balanceIn today's purchasing power
Lower2.5%$39,995.68$31,244.56
Base4.5%$45,624.83$35,642.04
Higher6.5%$52,111.87$40,709.71

How to use this tool

Enter your opening balance, monthly contribution, time horizon and assumed annual return.

Adjust fees, inflation and scenario spread, then compare nominal and inflation-adjusted outcomes. These are scenarios rather than market forecasts.

Net return assumption = gross return − annual fee drag; real balance = nominal / (1+inflation)^years

Worked example

$45,624.83 · base-case nominal balance

Fixed example using the settings below. Monetary examples use USD; dates and times use their stated reference values. This example stays unchanged when you edit your calculation.

Example inputs
  • Starting balance: 10000
  • Monthly contribution: 200
  • Assumed effective annual return (%): 5
  • Whole years: 10
  • Annual fee drag (percentage points): 0.5
  • Annual inflation assumption (%): 2.5
  • Return scenario spread (percentage points): 2

Method illustration: 10,000 with no contributions, fees or growth remains 10,000 nominally.

Assumptions and limits

  • Assumed rates remain constant. Values are estimates before tax and fees unless entered explicitly. No return or affordability is guaranteed.
  • Calculations use full precision; displayed money is rounded to cents.

Method reference: Investor.gov saving and investing tools

Check or report a result

Check the units, selected calculation and assumptions first. Compare the fixed example above with your inputs to identify what changed.

Report a calculation issue with the page address, hypothetical inputs, result displayed and result expected. Do not include passwords, bank details or other private information.