Investment Calculator
Estimate the future value of an investment using a starting amount, monthly additions, and an assumed return.
Model Investment Growth
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Investment calculator guide for long-term growth scenarios
WeCovr's investment calculator helps estimate how an initial amount and regular contributions could grow over time at an assumed annual return. It is designed for scenario planning rather than personalised investment advice.
How this investment calculator works
The calculator combines an initial investment, recurring monthly contributions, an assumed annual return, and a time horizon to estimate a future portfolio value.
It also separates the amount you contributed from the amount attributed to growth so the compounding effect is easier to understand.
Includes a starting investment and monthly additions.
Uses an assumed annual return for scenario planning.
Separates contributions from projected growth.
Why assumptions matter so much
Long-term outcomes are highly sensitive to time horizon, contribution level, and assumed return. Small changes in assumptions can lead to very different final values.
Important caution
Investment returns are not guaranteed. This calculator is useful for modelling possibilities, but it should not be treated as a promise of future performance.
Long-term growth drivers
| Driver | Lower setting | Higher setting | Typical effect |
|---|---|---|---|
| Time | Shorter horizon | Longer horizon | Compounding becomes more powerful |
| Contributions | Smaller monthly amount | Larger monthly amount | Directly lifts projected value |
| Return assumption | Lower annual return | Higher annual return | Can materially change long-run outcomes |
Related WeCovr resources
FAQs
Is this investment calculator giving financial advice?
No. It models growth scenarios based on your inputs and does not recommend a product or strategy.
Are the projected returns guaranteed?
No. Investments can rise or fall and future returns are uncertain.
Why show contributions and growth separately?
Because it helps you see how much of the projected value comes from money you added versus money earned through compounding.
Should inflation be considered separately?
Yes. A future nominal balance can look large but still have less purchasing power if inflation is high.
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