Investment Calculator Dave Ramsey
Calculate the future value of your investments using Dave Ramsey's investment principles, including compound interest and monthly contributions.
Published by:
isCalculator Editorial Team
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How to use this tool?
This calculator computes the future value of an investment using Dave Ramsey's recommended approach of consistent monthly contributions and compound growth.
- Initial Investment ($) – Enter the lump sum you start with (e.g., 10,000).
- Monthly Contribution ($) – Enter the fixed amount you add each month (e.g., 500).
- Annual Return Rate (%) – Enter the expected yearly return (e.g., 12 for 12%). Must be between 0 and 100.
- Number of Years – Enter the investment time horizon (e.g., 30). Must be between 1 and 100.
- Click Calculate to see the future value, total contributions, and total interest earned.
Note: The calculator assumes monthly compounding and contributions made at the end of each month. All monetary values are in US dollars ($).
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Frequently Asked Questions
Dave Ramsey recommends investing 15% of your household income into tax-advantaged retirement accounts, using growth stock mutual funds with historical average returns of 12%.
This calculator uses monthly compounding. Your initial investment and monthly contributions earn interest each month, and future interest is calculated on the growing balance.
Dave Ramsey uses a 12% average annual return rate based on historical S&P 500 performance, but you can adjust the rate to your expectation.
