How this calculator works
Contribution mode rearranges the future-value-of-an-annuity formula. Time mode simulates monthly compounding until the target is reached, up to 100 years.
Formula and methodology
Monthly contribution = (target − current balance growth) ÷ annuity factor
Values are calculated with full JavaScript numeric precision and rounded only for display.
Example calculation
Enter a $25,000 balance, $250,000 target, 15 years, and 7% return to estimate the required month-end contribution.
Understanding your results
Use the output to compare scenarios under consistent assumptions. It is most useful as a planning range: change the return, contribution, or duration and observe how sensitive the estimate is.
Key assumptions and limitations
- The target is a nominal future value.
- Return stays constant.
- Contributions occur monthly at period-end.
Investment Goal Calculator FAQs
What does this investment goal calculator show?
It turns the assumptions you enter into a hypothetical estimate so you can explore long-term scenarios.
Does this calculator predict investment returns?
No. The return is a constant user-provided assumption; real returns vary and may be negative.
Are taxes and inflation included?
No. Results are nominal estimates and exclude taxes and inflation unless a calculator explicitly says otherwise.
When are contributions added?
Recurring contributions are modeled at the end of each selected contribution period.
Are fees included?
Fees are excluded except in the ETF fee calculator, which models expense ratios using a simplified net-return approach.
Can I enter a negative return?
Yes, returns greater than -100% are supported to help test downside scenarios.