What does the investment calculator calculate?

The investment calculator is an online tool that calculates potential returns on investments over time. The calculator takes into account both the initial investment and regular monthly contributions, and calculates growth with monthly capitalization of returns. Expected returns vary significantly depending on the type of investment - conservative investments (deposits) usually offer 2-4% annually, while risky investments (stocks) can offer 7-12% or more, but with higher risk. The calculator shows the final value of your investment, total profit, ROI (return on investment), and helps you plan long-term financial goals. This tool is useful for anyone planning investments in stocks, bonds, deposits, real estate, and other financial instruments.

How to use the investment calculator?

When to use the investment calculator

This calculator is useful for anyone who wants to plan long-term investments and see potential returns. Suitable for investments in stocks, bonds, deposits, real estate, and other financial instruments.

Example:

Maria invests 10,000 BGN with an expected annual return of 8% for 10 years. With monthly additional contributions of 500 BGN:

• Initial investment: 10,000 BGN
• Annual return: 8%
• Term: 10 years
• Monthly contributions: 500 BGN (6,000 BGN per year)
• Final value: ~95,000 BGN
• Total profit: ~85,000 BGN
• ROI: ~850%

Step by step:

1. Enter the initial investment in BGN
2. Enter the expected annual return in percentage
3. Set the investment term in years
4. Enter monthly additional contributions (if any)
5. Click the "Calculate" button
6. View the final value, total profit, and ROI (return on investment)

How to read the results:

• Final value – the total amount after the term expires, including the initial investment, additional contributions, and accumulated profit
• Total profit – the difference between the final value and the total invested amount
• ROI (Return on Investment) – the return as a percentage, showing how much profit you have realized relative to the invested amount
• Average annual return – the average return per year, which helps you compare different investment options

Common mistakes / limitations:

• Underestimating risk – higher returns usually come with higher risk. The calculator does not account for investment risk
• Inflation – the calculator does not account for inflation, which can reduce the real purchasing power of profits
• Taxes – for some investments (stocks, bonds) there may be taxes on profits that are not included in the calculation
• Volatility – actual returns may differ significantly from expected, especially for stocks and cryptocurrencies

Sources and notes

The calculator uses standard formulas for compound returns, which take into account both the initial investment and regular monthly contributions, and calculates growth with monthly capitalization of returns. Expected returns vary significantly depending on the type of investment - conservative investments (deposits) usually offer 2-4% annually, while risky investments (stocks) can offer 7-12% or more, but with higher risk. Actual returns may differ from expected due to market conditions, inflation, and other factors. For specific investment advice, always consult with a financial advisor.

Last updated: January 13, 2026

Related calculators

Check out our other useful financial calculators:

• Deposits Calculator – Calculate interest and yield on deposits
• Inflation Calculator – See the real value of money over time
• Family Budget Calculator – Plan family finances

This text is for informational purposes only and is not individual financial or tax advice.