Calculadora de Investimentos
Project future value of investments with regular contributions
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Sobre esta ferramenta
The striking thing about long-term investing is how much of the final figure comes from contributions you have not made yet, growing for years you have not lived through. Someone saving £300 a month for 30 years at 7% contributes £108,000 and ends with roughly £366,000 - meaning about two thirds of the result is growth rather than deposits. Run the same numbers over 20 years instead and growth accounts for less than half. That is the whole argument for starting early stated numerically: the last decade of any long horizon does more work than the first two combined, because it compounds on everything accumulated before it. Two cautions belong alongside that. The rate you enter is a smooth average that no real market delivers - actual returns swing widely year to year. And a nominal projection ignores inflation, which quietly removes a large share of the purchasing power from any figure decades out. Calculations run in your browser.
Como usar esta ferramenta
- Enter your starting amountWhatever you are beginning with, including zero if you are starting from nothing.
- Add your regular contributionThe monthly amount. Over a long horizon this usually matters more than the opening balance.
- Set the return rate and time horizonBe conservative with the rate. Try several time periods - the difference between 20 and 30 years is dramatic.
- Compare growth against contributionsSeeing how much of the total is growth rather than deposits is the most useful output.
Por que usar
- Separates contributions from growth, which is the comparison that actually motivates saving.
- Handles regular contributions rather than lump sums only, matching how most people invest.
- Easy to compare time horizons side by side.
- Runs in your browser - your financial figures are never transmitted.
- No account and no lead capture.
Usos comuns
- Projecting retirement savings from a monthly contribution.
- Seeing what starting five years earlier is worth in the final figure.
- Setting a realistic monthly amount for a long-term goal.
- Comparing conservative and optimistic return assumptions.
- Explaining compound growth to someone deciding whether to start.
Dicas para melhores resultados
- Use a conservative rate. A projection built on an optimistic assumption is a plan built on hope.
- Subtract inflation to see the result in today's money - 7% nominal with 3% inflation is about 4% real.
- Account for fees. A 1% annual charge compounds against you exactly as returns compound for you, and over decades it is substantial.
- Run 10, 20 and 30 years. The curve is much steeper at the end, and that shape is the argument for starting now.
- Increase contributions with income rather than leaving them fixed for thirty years.
Erros a evitar
- Assuming a steady annual return. Markets do not deliver a smooth average, and a bad sequence early on matters more than the average suggests.
- Ignoring inflation, which makes a thirty-year figure look far better than its actual purchasing power.
- Leaving fees out of the calculation, when they compound against the whole balance every year.
- Treating the projection as a promise rather than an illustration of how compounding behaves.
- Waiting to start until the amount available feels significant - time contributes more than the deposit size.
Perguntas frequentes
This depends on your specific investment type and risk tolerance - historical stock market averages are sometimes used as a reference point, but actual future returns are never guaranteed and can vary significantly year to year.
The base calculation projects nominal future value based on your inputs - if you want to see the real (inflation-adjusted) value, you'd need to factor in an estimated inflation rate separately.
Yes, and over a long horizon those usually matter more than the opening balance. Consistent monthly investing is what produces most of the final figure for most people.
Over a long period, most of it. £300 a month for 30 years at 7% means £108,000 contributed and roughly £366,000 at the end - about two thirds is growth. Over 20 years the split is much closer to even, which is precisely why starting earlier matters.
Yes. A 1% annual fee compounds against your entire balance every year, so entering 6% rather than 7% is the honest way to model a fund charging 1%. Over decades the difference is large.
No. Everything is calculated in your browser and nothing is transmitted or used for lead generation.
Yes. Investment is free for normal use with no account required, and ToolBox does not add a watermark to your result.
Most tools in this category run in your browser so the file stays on your device. If a tool needs a temporary server job, files are handled for that job only and are not kept as a lasting archive.
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