Regular Investment Calculator
Estimate returns from regular monthly investing with CAGR, charts, and inflation-adjusted results.
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Regular Investment Calculator – Monthly Investment Returns (Australia)
Regular investing involves investing a fixed amount at regular intervals, usually monthly, to build long-term wealth through market growth and compounding. This Regular Investment Calculator helps you estimate your final portfolio value, total amount invested, returns, and CAGR based on your monthly contribution, expected return, and investment duration.
This calculator is suitable for planning monthly investing in shares, ETFs, and long-term investment portfolios in Australia.
How does the Regular Investment calculator work?
The calculator simulates monthly investments made over time. Each contribution compounds for a different length of time depending on when it is invested.
The calculator:
- Models regular monthly investments
- Applies compounding using the expected annual return
- Continues growth after contributions stop (if you stay invested)
- Optionally adjusts results for inflation to show real returns
This reflects how regular investing works in real-world investment portfolios.
What is Regular Investing?
Regular investing means investing a fixed amount at consistent intervals rather than investing a lump sum all at once. It is commonly used by investors who:
- Invest monthly into ETFs or shares
- Want to reduce market timing risk
- Prefer disciplined, long-term investing
Regular investing spreads investments across market cycles and helps smooth volatility over time.
Regular Investing vs Lump Sum Investing
| Regular Investing | Lump Sum Investing |
|---|---|
| Invests gradually over time | Invests all funds at once |
| Reduces timing risk | Sensitive to market entry |
| Suitable for monthly income | Requires upfront capital |
| Encourages discipline | Requires market confidence |
Regular investing is often preferred for long-term wealth building.
Nominal vs Inflation-Adjusted Returns
Nominal returns show the future value of your investment in dollar terms.
Inflation-adjusted (real) returns show the purchasing power of your investment in today’s money.
When inflation adjustment is enabled, the calculator reduces returns using the selected inflation rate to estimate real value.
When should you use a Regular Investment calculator?
This calculator is useful if you want to:
- Estimate returns from monthly investing
- Plan long-term investment strategies
- Compare stopping contributions vs staying invested
- Understand the impact of inflation on long-term investments
Frequently Asked Questions (FAQs)
How does a regular investment calculator work?▼
A regular investment calculator simulates monthly investments and compounds each contribution over time. Earlier investments grow for longer periods, while later investments grow for shorter durations, producing an estimated final portfolio value.
Is regular investing suitable for long-term investing in Australia?▼
Yes. Regular investing is commonly used for long-term investing in Australia because it encourages consistent contributions and helps reduce the impact of market timing.
Can this calculator show inflation-adjusted returns?▼
Yes. When inflation adjustment is enabled, the calculator estimates real returns by adjusting portfolio growth using the selected inflation rate.
Is regular investing better than lump sum investing?▼
Regular investing spreads investments over time and reduces timing risk, while lump sum investing depends on market entry timing. The better option depends on risk tolerance and market conditions.
Can regular investing be used for ETFs and shares?▼
Yes. Regular investing is widely used for monthly investments in ETFs and shares, particularly for long-term wealth building.
Disclaimer
This calculator provides estimates for educational purposes only and does not constitute financial advice.