Investment Growth Calculator

See how your investments can grow over time

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Future Value
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Inflation-Adjusted Value
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Purchasing power in today's dollars
Breakdown
Total Contributions:$0.00
Total Earnings:$0.00
Return on Contributions:0.0%

Investment Growth Over Time

Projections assume a constant annual rate of return and do not account for market volatility, taxes on gains, or fees. Past performance is not indicative of future results.

This calculator is provided as-is. Green Flag Wealth is a new platform and our software may contain bugs and results could be incorrect. Do not rely solely on this tool for investment planning. Always consult a qualified financial advisor.

How to Use the Investment Growth Calculator

This free Canadian investment growth calculator estimates how your investments will grow over time based on your starting amount, regular contributions, expected annual return, and inflation rate. Enter your initial investment, choose your contribution frequency and amount, set your expected annual return and time horizon, and the calculator will show your projected portfolio value in both nominal and inflation-adjusted dollars.

Nominal vs. Inflation-Adjusted Returns

Your nominal return is the raw growth of your investment before accounting for inflation. Your inflation-adjusted return (also called real return) shows what your money will actually be worth in today's purchasing power. For example, if your investment grows to $500,000 in 20 years but inflation averaged 2.5% annually, the real value is significantly less. This calculator shows both figures so you can plan with a realistic picture of your future wealth.

The Power of Compound Growth

Compound growth means your returns earn returns. Each year's gains are added to your principal and generate their own growth the following year. Over long time horizons this creates exponential rather than linear growth, illustrating how time horizon is a significant factor in projected investment outcomes. Even small regular contributions, given enough time, can grow into significant wealth. The calculator's chart illustrates this curve so you can see exactly when compounding starts to accelerate your portfolio.