Stock returns calculator
Project an investment with a starting amount, monthly contributions, reinvested dividends and an annual fee.
Method: Monthly compounding of price return + dividends − feesReviewed Oct 2026
Your numbers
$
$
%
%
%
yrs
Results
Ending value
$358,029
After 20 years
Total invested
$130,000
$10,000 + $500/mo
Investment growth
$228,029
Net return 8.30%/yr
Invested $130,000 (36%)Growth $228,029 (64%)
Portfolio value by year
ContributedGrowthFormula
FV = PV(1 + i)ⁿ + PMT · ((1 + i)ⁿ − 1) ÷ i
With your numbers
FV = $10,000(1 + 0.006917)^240 + $500 · ((1 + 0.006917)^240 − 1) ÷ 0.006917 = $358,029
In plain EnglishInvesting $10,000 now and $500 every month at a net 8.30% a year grows to about $358,029 in 20 years. $228,029 of that is growth you never contributed. The 0.20% fee is already subtracted.
- 1Net annual return = price + dividend − fee8.30%
- 2Monthly rate i = net return ÷ 120.006917
- 3Months n = years × 12240
- 4Growth factor (1 + i)ⁿ5.2293
- 5Starting amount grows to$52,293
- 6Monthly investments grow to$305,736
YearInvestedGrowthValue
1$16,000$1,096$17,096
2$22,000$2,804$24,804
3$28,000$5,176$33,176
4$34,000$8,271$42,271
5$40,000$12,149$52,149
6$46,000$16,880$62,880
7$52,000$22,536$74,536
8$58,000$29,196$87,196
9$64,000$36,949$100,949
10$70,000$45,888$115,888
11$76,000$56,114$132,114
12$82,000$67,740$149,740
13$88,000$80,886$168,886
14$94,000$95,683$189,683
15$100,000$112,274$212,274
16$106,000$130,812$236,812
17$112,000$151,466$263,466
18$118,000$174,419$292,419
19$124,000$199,868$323,868
20$130,000$228,029$358,029
Is the return guaranteed?
No. Real returns vary every year. The calculator uses a steady average so you can see the shape of compounding.
Are dividends reinvested?
Yes. Dividend yield is added to the price return and compounded monthly.