Investment Pot Growth Calculator
Investment pot projection.
Project investment pot growth from monthly contributions at expected return over horizon. Shows final pot from the values you enter.
What this tool does
Enter monthly contribution, years, and expected return. The tool shows final pot.
Enter Values
Formula Used
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Disclaimer
Results are estimates for educational purposes only. They do not constitute financial advice. Consult a qualified professional before making financial decisions.
600/month for 30 years at 6.5%: final pot around 664,000. Of that, 216,000 is contributions; 464,000 is compound growth. Compound growth dominates contributions over long horizons — time in the market is the bigger lever than monthly amount past a point.
Quick example
With monthly contribution of 600 and horizon of 30 (plus expected return of 6.5%), the result is 663,706.85. Change any figure and watch the output shift — it's often more useful to see the pattern than to memorise the formula.
Which inputs matter most
You enter Monthly Contribution, Horizon, and Expected Return. The rate and the time horizon usually dominate — compounding means a small change in either reshapes the final figure more than a similar shift in contribution size. Test this by doubling one input at a time.
What's happening under the hood
Future value of monthly annuity at monthly rate. The formula is listed in full below. If the number looks off, you can retrace the calculation by hand — that's the point of showing the working.
Why the number matters
Saving without a target is like driving without a destination — you'll make progress, but you won't know when you've arrived. This tool gives you a concrete figure to work toward, which is the first step in turning a vague intention into an actual plan.
What this doesn't capture
The calculation assumes a steady savings rate and a stable interest rate. Real saving journeys include emergencies, windfalls, and rate changes — especially in easy-access products. The figure is a direction of travel, not a guarantee.
Where to go next
This calculation rarely sits alone in a planning exercise. If you're running these numbers, you'll probably also want the retirement pot size calculator, the lump sum investment calculator, and the pension calculator — each one answers a different question in the same territory. Treating them as a set rather than in isolation usually produces a more honest picture.
Investment pot produces a final value based on the inputs provided.
Inputs
This example uses typical values for illustration. Adjust the inputs above to match a specific situation and see how the result changes.
Sources & Methodology
Methodology
Future value of monthly annuity at monthly rate.
References
Frequently Asked Questions
Typical target pot?
Does 6.5% include inflation?
Pension vs taxable?
What if I can't afford this much?
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