This tool helps you estimate your projected healthcare expenses quickly and easily.

## How to Use the JHU Estimator Calculator

This calculator helps you estimate the future value of your investments with regular monthly contributions. To use this calculator, follow these steps:

- Enter the initial amount of money you are investing in the “Initial Amount” field.
- Enter the amount of money you plan to invest every month in the “Monthly Contribution” field.
- Enter the expected annual interest rate (as a percentage) in the “Annual Interest Rate” field.
- Enter the number of years you plan to keep the investment in the “Number of Years” field.
- Click the “Calculate” button to see the estimated future value of your investment.

## How the Calculator Works

The calculator uses the future value formula to compute the total investment value over time. The formula takes into account the initial amount, monthly contributions, the interest rate, and the number of periods (years converted to months). The future value is calculated using the following steps:

- The initial amount grows based on the monthly interest rate for the total number of months.
- Each monthly contribution is added, and it also grows based on the number of months it is invested.

The formula used is: **Future Value = P * (1 + r/n)^(nt) + M * (((1 + r/n)^(nt) – 1) / (r/n))** where P is the initial amount, M is the monthly contribution, r is the annual interest rate, n is the number of compounding periods per year (12 for monthly), and t is the number of years.

## Limitations

Please note the following limitations of this calculator:

- The calculator assumes that the monthly contributions are made at the end of each month.
- The results are based on the specified interest rate, which can vary depending on market conditions and other factors.
- The calculator does not account for taxes, fees, or other costs associated with investments.

Always consider consulting with a financial advisor for personalized investment advice.

## Use Cases for This Calculator

### Use Case 1: Calculate Total Daily Energy Expenditure (TDEE)

Estimate the number of calories you burn in a day based on your basal metabolic rate (BMR), activity level, and other factors. This calculation is crucial in setting your daily calorie intake for weight management goals.

### Use Case 2: Determine Basal Metabolic Rate (BMR)

Find out how many calories your body needs at rest to maintain basic bodily functions like breathing and circulation. Understanding your BMR is key in creating a sustainable weight loss or gain plan.

### Use Case 3: Estimate Body Mass Index (BMI)

Input your weight and height to calculate your BMI, providing a general indication of your body fat. Monitoring your BMI can help you assess if you are within a healthy weight range.

### Use Case 4: Calculate Macronutrient Requirements

Get an accurate breakdown of the recommended amounts of proteins, fats, and carbohydrates you should consume based on your fitness goals and activity level. This information is valuable for structuring a balanced diet.

### Use Case 5: Plan Caloric Intake for Weight Loss/Gain

Customize your daily calorie intake according to your weight loss or weight gain targets, ensuring you are in a calorie deficit or surplus. This feature is essential in achieving your desired body composition.

### Use Case 6: Determine Ideal Body Weight

Input parameters like height, gender, and body frame to calculate your ideal body weight range. Knowing this range can assist in setting realistic weight loss or fitness goals.

### Use Case 7: Calculate Target Heart Rate Zone

Enter your age, resting heart rate, and fitness goal to determine your target heart rate zone during exercise. Monitoring your heart rate during workouts can enhance the effectiveness of your training.

### Use Case 8: Estimate Lean Body Mass (LBM)

Calculate your LBM, which represents your body weight excluding fat mass. Understanding your LBM can help in designing strength training programs and monitoring muscle gains or losses.

### Use Case 9: Assess Water Intake Requirements

Input factors like activity level, temperature, and health conditions to determine your daily water intake needs. Proper hydration is essential for overall health and fitness performance.

### Use Case 10: Calculate Daily Steps for Fitness Goals

Set your fitness target, such as steps per day, and calculate the number of steps needed to reach your goal. Tracking daily steps can motivate you to stay active and maintain a healthy lifestyle.