Watch Your Money Grow — and See Where the Growth Comes From.

Future value of lump sum + ongoing contributions at an assumed return.

This Investment Growth Calculator runs entirely in your browser. Calculator inputs stay on your device and are not stored on TopMoneyTools servers as account data.

Outputs are educational planning estimates. They do not replace lender quotes, tax software, insurance underwriting, or licensed advice.

Reach for this tool when: RRSP/TFSA/401k-style planning, “what if I invest $X/month.”.

Use more than one scenario. Changing rate, timeline, or spending often moves the answer more than people expect.

If you are close to a major decision (home purchase, retirement date, large debt payoff), treat this as a pre-conversation tool — then verify with primary documents and a professional who knows your full situation.

How to use it: Starting balance → monthly contribution → years → expected annual return → compound frequency.

Label units carefully (monthly vs annual income, APR vs monthly rate).

After the first run, stress-test: higher rate, lower return, shorter timeline, or higher expenses. The range matters more than one precise output.

• Constant return (markets vary)
• no fees/taxes unless modeled
• deposits at period start/end as coded.
• Educational model only — markets, tax rules, inflation, and lender terms change.
• Fees, taxes, insurance underwriting, and product-specific rules may be simplified or omitted.

How to read results: Power of time + contributions; sensitivity to return assumption.

If a result looks surprising, re-check units, whether taxes/fees are included, and whether you modeled best-case assumptions only.

Use related guides and tools below to cross-check the story from another angle.

• Treating 10% as guaranteed
• ignoring fees and taxes
• no emergency fund first.
• Anchoring on a single optimistic assumption.
• Confusing educational estimates with personalized professional advice.

• Compound Interest
• DCA vs Lump Sum
• Investing 101
• Disclaimer