Additional Contribution Calculator - Calculate Required Regular Deposits to Reach Investment Goals
Additional Contribution Calculator
($)
(%)
Year Month
($)
(%) per year
Calculation Results
Monthly Additional Deposits
Total Additional Deposits
End Balance
Total Interest Earned
Initial Balance
Effective Annual Rate
Interest from Initial Investment
Interest from Additional Deposits
Annualized Return (CAGR-Compound Annual Growth Rate)
Contributions Accumulation Schedule
Accumulation Visualization
To Reach Your Goal of $100,000, How Much Should You Contribute to Investments Each Month?
So let's say you're starting with $30,000, and you're getting about 6% returns with monthly compounding. If you invest around $853.30 every month, you'll have $100,000 in your account after five years.
| Annual Return Rate | Monthly Contribution Amount (5 year) | Yearly Contribution Amount (5 year) |
|---|---|---|
| 3% | 1,007.808 | $12,261.382 |
| 3.5% | $981.755 | $11,971.903 |
| 4% | $955.823 | $11,682.514 |
| 4.5% | $930.011 | $11,393.216 |
| 5% | $904.32 | $11,104.011 |
| 5.5% | $878.748 | $10,814.901 |
| 6% | $853.296 | $10,525.887 |
| 6.5% | $827.964 | $10,236.972 |
| 7% | $802.751 | $9,948.155 |
| 7.5% | $777.656 | $9,659.438 |
| 8% | $752.681 | $9,370.822 |
| 8.5% | $727.824 | $9,082.307 |
To Reach Your Goal of $200,000, How Much Should You Contribute to Your Investments Each Month, Assuming a 6% Annual Return With Monthly Compounding and an initial Investment of $0?
To reach your goal of $200,000 in 5 years with a 6% annual return compounded monthly and an initial investment of $0, you should contribute $2,866.56 each month.
| Annual Return Rate | Monthly Contribution Amount (5 year) | Monthly Contribution Amount (10 year) |
|---|---|---|
| 3% | $3,093.74 | $1,431.22 |
| 3.5% | $3,055.02 | $1,394.38 |
| 4% | $3,016.64 | $1,358.24 |
| 4.5% | $2,978.60 | $1,322.77 |
| 5% | $2,940.91 | $1,287.98 |
| 5.5% | $2,903.57 | $1,253.86 |
| 6% | $2,866.56 | $1,220.41 |
| 6.5% | $2,829.90 | $1,187.63 |
| 7% | $2,793.57 | $1,155.50 |
| 7.5% | $2,757.60 | $1,124.04 |
| 8% | $2,721.95 | $1,093.22 |
| 8.5% | $2,686.64 | $1,063.05 |
References
Government Resources
- SEC Investor.gov - Official SEC investor education and protection website
- SEC: 10 Things to Consider Before You Make Investing Decisions
- TreasuryDirect.gov - Official U.S. Treasury securities information
- Federal Reserve: Economic Research and Data
- CFPB Retirement Planning Tools
Educational Resources
- FINRA Investor Education
- SEC: Asset Allocation
- Bureau of Labor Statistics - Consumer Price Index (for inflation data)
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