Advanced Investment Calculator
Calculate the future value of your investments with compounding, recurring contributions, inflation impact, and tax-adjusted returns.
Formulas Used
- Compound Interest:
- FV = P × (1 + r/n)^(n×t)
- With Contributions:
- FV = P × (1 + r/n)^(n×t) + C × [(1 + r/n)^(n×t) − 1] / (r/n)
- Effective Annual Return:
- EAR = (1 + r/n)^n − 1
- Inflation Adjustment:
- Real Value = FV / (1 + inflation)^t
- Tax Adjustment:
- After-Tax Return = r × (1 − tax)
Investment Insights
- - Calculates growth with compounding and contributions.
- - Supports long-term investment planning.
- Compounding:
- - Higher frequency → higher returns.
- - Daily/monthly compounding boosts growth.
- Contributions:
- - Regular deposits increase final value.
- - Works like SIP / recurring investment.
- Inflation Impact:
- - Reduces real purchasing power.
- - Real balance shows actual value.
- Taxes:
- - Taxes reduce net returns.
- - After-tax return gives true earnings.
- Effective Return:
- - Shows actual yearly growth.
- - Always higher than nominal rate (if compounded).
- Smart Tips:
- - Start early to maximize compounding.
- - Increase contributions gradually.
- - Consider inflation & taxes.
- Notes:
- - Compound interest grows exponentially.
- - Long-term investing gives best results.
- - Consistency beats timing.