Investment Growth Visualiser Tool

Our Investment Growth Simulator is completely free and requires no sign-up. With just a few inputs, you can immediately see how your money could grow over time. Whether you’re planning for retirement, a down payment, or simply curious about compounding, this tool walks you through the steps—and it won’t cost you a penny.

1. Enter Your Initial Investment

• What it is: A one-time lump sum you already have (or plan to put aside) at the very start.
• How to use: Click the “Initial Investment ($)” field and type in the amount (e.g., 1000).
• Tip: If you’re starting from zero, simply enter 0. You can still see how monthly contributions alone can build wealth over time.

2. Specify Your Monthly Contribution

• What it is: The fixed amount you plan to add at the end of each month.
• How to use: Click “Monthly Contribution ($)” and enter a value (e.g., 200).
• Why it matters: Regular, even small, monthly deposits can significantly boost your final balance thanks to compounding interest.

3. Set Your Expected Annual Return (%)

• What it is: The annual percentage rate you anticipate (based on historical averages or your own conservative estimate).
• How to use: Click “Expected Annual Return (%)” and type in a number (e.g., 7 for 7 %).
• Note: This field expects a percentage (don’t type the “%” sign). If you’re not sure, 5 %–8 % is a common range for a balanced portfolio.

4. Choose the Number of Years to Invest

• What it is: How many years you plan to leave your money invested.
• How to use: Click “Years to Invest” and enter a whole number (e.g., 20).
• Why it matters: Time is a powerful force. The longer you stay invested, the more dramatic the compounding effect—especially in the earlier years.

5. Click “Simulate Growth”

• What happens:
  1. The tool converts your annual return to a monthly rate.
  2. It runs a month-by-month calculation: each month’s balance grows by the interest rate, then adds your contribution.
  3. At the end of each 12-month cycle, the simulator records the balance for that year.
• Result: Within seconds, a line chart appears showing “Projected Balance ($)” at the end of each year. You’ll also see a brief text summary below the chart.

6. Read Your Results (All for Free)

Below the chart, you’ll find three key figures:

1. Final Balance (after your chosen number of years)
2. Total Contributions (initial investment + sum of all monthly deposits)
3. Total Interest Earned (the “extra” money generated by compounding)

All of this data is calculated instantly—and remains 100 % free. There are no hidden fees, no trials, and no subscription required.