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Recurring Investment Growth — result sheet
Compare hypothetical investment accumulation scenarios using an annual investing budget split into monthly-end contributions, including constant negative-return scenarios.
Inputs used
Results
Visual chart
Breakdown
Calculation steps
Returned data table
Formula and methodology
Formula: c = annualContribution / 12; r = annualRate / 1200; n = 12 x years; FV = startingBalance x (1 + r)^n + c x ((1 + r)^n - 1) / r; if r = 0, FV = startingBalance + c x n.
The forecast separates money invested from gains or losses and shows yearly checkpoints. It deliberately smooths the assumed return and cannot represent real market volatility or sequence risk. A negative return reduces invested balances but does not change the specified deposits.
This result follows the calculator's declared inputs, precision, validation boundaries, and model limits.
Input contract
- Current investment value — minimum 0; maximum 1000000000000
- Annual investing budget — One twelfth is invested at each monthly-end.; minimum 0; maximum 1000000000000
- Hypothetical nominal annual return — %; This model uses annual percentage / 1200 each month, not a quoted effective annual total return.; minimum -50; maximum 100
- Investment horizon — years; Whole months only, including zero; 1.5 years means 18 months.; minimum 0; maximum 100
Worked example
| Input | Value |
|---|---|
| Current investment value | 20000 |
| Annual investing budget | 5000 |
| Hypothetical nominal annual return | 8 |
| Investment horizon | 20 |
Projected balance: 343961.23; new contributions: 100000.00; growth: 223961.23.
Assumptions and limits
- Annual contribution budgets are divided into 12 equal monthly-end investments; the nominal annual rate is divided by 12 and compounded monthly.
- This is a constant-return scenario, not investment advice or a guaranteed outcome; fees, taxes, withdrawals, and inflation are excluded.
- Use one consistent currency and a whole-month horizon of zero to 100 years; actual market returns need not follow this nominal-rate convention.
Calculator note
Source and methodology
Use the official WorldCalculate methodology policy for the source, formula, precision, and boundary standards behind this calculator.
Planning estimate, not financial, medical, legal, or professional advice. © WorldCalculate — reuse with attribution. Built and curated by Hassan ALRowaie.
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