Investment Calculator
Project the future value of an investment in both nominal and inflation-adjusted (real) terms.
Why the "average return" assumption matters
Projections here assume a fixed annual return applied uniformly. Real markets vary year to year — two portfolios with the identical average return can finish at very different balances depending on which years the down years fell in (sequence-of-returns risk).
What isn't modeled here
Taxes on capital gains and dividends, fund expense ratios, and irregular contribution timing aren't factored in. Treat the result as a simplified, before-fee, before-tax trajectory rather than a guaranteed outcome.