Calculate the return on investments with compound interest and regular contributions
Calculate the return on investments with compound interest and regular contributions
Enter parameters and click 'Calculate'
Investment calculator is a professional tool for calculating the profitability of various types of investments, including bank deposits, investment accounts and long-term investments. Using our calculator you can calculate the total investment amount, total income, effective interest rate and a detailed accrual schedule. The calculator supports different types of interest: simple interest, capitalization of interest and compound interest.
There are several main types of investments, each of which has its own characteristics:
Our investment calculator provides many benefits for financial planning:
For successful investing, follow these guidelines:
Investment calculator is a professional tool for calculating the profitability of various types of investments, including bank deposits, investment accounts and long-term investments. Using our calculator you can calculate the total investment amount, total income, effective interest rate and a detailed accrual schedule. The calculator supports different types of interest: simple interest, capitalization of interest and compound interest.
Let's look at some practical examples of using the investment calculator:
Investment of 500,000 rubles for 3 years at 8% per annum with monthly capitalization and replenishment of 10,000 rubles per month.
Total amount: RUB 1,247,850, income: RUB 407,850, effective rate: 8.30%
Investment of 1,000,000 rubles for 10 years at 12% per annum with quarterly capitalization.
Total amount: RUB 3,262,037, income: RUB 2,262,037, effective rate: 12.55%
Monthly contributions of 25,000 ₽ for 20 years at 10% per annum with capitalization.
Total amount: 19,116,000 ₽, income: 14,116,000 ₽, effective rate: 10.47%
Investment of 200,000 rubles for 1 year at 6% per annum with simple interest.
Total amount: 212,000 ₽, income: 12,000 ₽, effective rate: 6.00%
Calculation of investment returns depends on the selected type of interest and investment parameters. Our calculator uses precise mathematical formulas for each type of investment.
Simple interest: Income = Amount × Rate × Time / 100
Capitalization: Interest is added to the principal amount after certain periods
Compound interest: Interest is calculated on an ever-increasing amount
There are several main types of investments, each of which has its own characteristics:
Simple interest—interest is calculated only on the original investment amount
Capitalization of interest - interest is periodically added to the principal amount
Compound interest—interest is calculated on an ever-increasing amount
Our investment calculator provides many benefits for financial planning:
Accurate calculation of profitability of various types of investments
Effective interest rate calculation to compare offers
Planning deposits and withdrawals
Taking into account the tax features of various investment instruments
For successful investing, follow these guidelines:
Compare offers from different banks and investment companies
Choose the optimal investment period depending on your goals
Use interest capitalization for maximum profitability
Consider terminating the contract early
To calculate the return on investments with capitalization, use the compound interest formula: A = P(1 + r/n)^(nt), where A is the total amount, P is the initial amount, r is the annual rate, n is the number of capitalization periods per year, t is time in years. Our calculator automatically performs all calculations.
Simple interest is calculated only on the original investment amount, while compound interest is calculated on the amount that includes previously accrued interest. Compound interest provides higher returns over long investment periods.
When choosing an interest rate, consider inflation, risks, investment term and your financial goals. Compare offers from different banks and investment companies, paying attention to the effective interest rate.
The effective interest rate shows the real return on investment taking into account the capitalization of interest. It is always higher than the nominal rate and allows you to compare different investment offers.
An annuity formula is used to calculate investments with regular additions. Our calculator takes into account monthly payments and automatically calculates the total amount taking into account all top-ups and accrued interest.
Taxation of investment income depends on the type of instrument. For bank deposits, the tax is 13% of the amount exceeding the key rate of the Central Bank of the Russian Federation. IIS benefits apply to investment accounts.
Our calculator supports investment calculations in rubles, dollars and euros. Select the desired currency in the settings, and all calculations will be performed in the selected currency, taking into account the characteristics of each currency.
Interest capitalization is the addition of accrued interest to the principal amount of the investment. The more often capitalization occurs, the higher the final profitability. Monthly capitalization is more profitable than annual capitalization.
To calculate pension savings, use a long-term investment period (15-30 years), regular monthly contributions and interest capitalization. Our calculator will show how much you will save for retirement.
Yes, our calculator allows you to take into account monthly withdrawals. This is useful for calculating investments where you plan to partially use the proceeds or withdraw a certain amount each month.
To compare investment offers, use the effective interest rate, which takes into account all the features of interest calculation. Our calculator automatically calculates the effective rate for each type of investment.
Compound interest is interest calculated on an amount that includes previously accrued interest. They provide exponential capital growth and are especially important for long-term investments.
To account for inflation, use the real interest rate, which is the nominal rate minus the inflation rate. This will help you understand the true purchasing power of your investment.
Long-term investments are usually more profitable due to the effect of compound interest. However, the choice depends on your financial goals, risk appetite and liquidity needs.
To save for an apartment, determine the required amount, the period of accumulation and your ability to make monthly contributions. Use the calculator with interest capitalization for maximum profitability.