ETF Recurring Investment Calculator
Estimate future value from an initial ETF investment, monthly contribution, expected annual return, and investment period.
What does this calculator answer?
Recurring ETF investing can be modeled as an initial lump sum plus monthly contributions growing at an assumed return. Time and contribution amount usually drive most of the result.
Inputs
Results
Estimated future value
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Total contributed
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Estimated growth
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Before you enter values
- Enter initial investment in USD so the estimate uses the same unit throughout.
- Enter monthly contribution in USD so the estimate uses the same unit throughout.
- Enter expected annual return in % so the estimate uses the same unit throughout.
- Enter investment period in years so the estimate uses the same unit throughout.
How to read the result
- Start with 'Estimated future value'. This is the main output for the current assumptions.
- Then compare 'Total contributed' so you do not judge the scenario from one number alone.
- Then compare 'Estimated growth' so you do not judge the scenario from one number alone.
Formula
Future value = compounded initial investment + monthly contribution future value
Example
With $1,000 upfront, $300 per month, 6% annual return, and 20 years, total contributions are $73,000 and estimated future value can be meaningfully higher.
Common mistakes
- Using an unrealistically high expected return
- Assuming markets grow smoothly every year
- Ignoring fund expense ratios and taxes
Important note
This is a constant-return scenario, not a market forecast. ETF investments can lose value.
Review and update policy
This page was reviewed on August 6, 2026 for formula wording, default inputs, FAQ coverage, and related calculator links. Investing and AI cost calculators do not pull live market prices or account-specific pricing, so you should enter the latest values yourself.
When official sources are relevant, source links are provided on the page. If a formula, rate, or source is outdated, send the page URL and supporting reference through the contact page.