How Much Will Your InvestmentsActually Grow?
Most people have never run the numbers for their own situation. This calculator shows you exactly where your current savings and contributions could end up, and what compounding looks like over your actual timeline.
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Why This Calculation Matters
Compound growth is not intuitive. The human brain tends to think in straight lines. If you save $1,000 per month for 20 years, it feels like you would have about $240,000. But that is not how investing works.
At a 7% average annual return, that same $1,000 per month over 20 years grows to over $520,000. The difference is entirely the result of compounding. Understanding this changes how you think about decisions, and it makes the cost of delaying contributions concrete.
Versus $240K if you just counted contributions. Compounding accounts for the difference.
More than the total amount you contributed, generated entirely by time and return.
The curve steepens dramatically in the back half of a long investment horizon.
What You Enter
Four simple inputs are all it takes to model your situation.
What you have invested today across all accounts combined.
What you plan to add on a regular basis going forward.
Adjust this to model conservative, moderate, or optimistic scenarios.
How many years until you need the money.
The output shows your projected ending balance broken down between your contributions and the growth generated by compounding. It also displays a year-by-year growth chart so you can see the curve, not just the destination.
A useful exercise: Run the calculator twice. Once with your current contribution rate, and once with a contribution that is $200 to $500 per month higher. The difference in ending balance over a 20 or 30 year horizon is often surprising, and it puts the cost of under-saving in concrete terms.
What This Calculator Does Not Tell You
A growth projection is a useful starting point, but it is not a financial plan. It does not account for taxes, inflation, sequence-of-returns risk, or the specific structure of your accounts. A pre-tax 401(k) balance, a Roth IRA, and a taxable brokerage account will all grow differently in practice, and the tax treatment of withdrawals matters enormously for what you actually keep.
The calculator is designed to build intuition and motivate action, not to replace comprehensive planning. If the numbers surface questions about whether you are on track, that is a good sign that a deeper conversation would be worthwhile.
Run Your Investment Growth Projection
Enter your balance, contributions, and timeline. See the compounding curve for your situation.
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Book a Free ConsultationThis calculator is for educational and illustrative purposes only. Projections are hypothetical and do not represent actual investment results. Returns are not guaranteed. All investing involves risk, including the possible loss of principal. This tool does not constitute financial, tax, or legal advice. Brooks Wealth Management LLC is a registered investment adviser. CRD #332237.