Recurring Investment Calculator
Put in a monthly amount, an expected return and a time frame to see what you could build, how much of it is your own money, and how much is growth.
How regular investing builds wealth
Investing a fixed amount every month means you buy more units when prices are low and fewer when they're high, which smooths out your average cost. Over the years the returns start earning returns of their own, and that compounding does most of the heavy lifting.
The return you enter is an assumption, not a promise, since funds swing from year to year. Use a realistic long-run figure, and keep in mind the final amount depends far more on how long you stay invested than on the exact rate. Planning a loan instead? Try our finance calculators.
Common questions
Is the return guaranteed?
No. Market-linked funds don't promise a fixed return, so treat the figure you enter as an estimate. The calculator shows what a steady average return would produce; real years will run higher and lower along the way.
What return should I assume?
Pick something you can defend over the long run rather than a standout year. Many people model stock funds in the high single digits and bond funds lower, but it's your call. The tool stays neutral and uses whatever number you give it.
Does the day of the month matter?
Only slightly. This assumes one investment at the start of each month; a different date shifts the result a little. The monthly amount and the number of years matter far more than the exact day.