Secure your financial future with our comprehensive investment calculator
This calculator determines your estimated investment earnings over a determined time period. We calculate your total investment growth using compound interest calculations, factoring in your initial investment, regular contributions, expected rate of return, and time horizon. All totals are rounded to the nearest dollar.
The calculator assumes that deposits made to your investment are made at the beginning of each period. For example, if you are planning to contribute $500 monthly, the calculator assumes this contribution is made at the beginning of each month. Making contributions at the beginning of each period allows your money to begin earning returns immediately, maximizing your growth potential.
Important: These calculations are hypothetical and future rates of return can't be predicted with certainty. Actual returns involve a multitude of factors, including the type of investment, market conditions, fees, and volatility.
Compound interest is interest earned on both your original investment and previously earned interest. The more frequently interest compounds, the faster your money grows. This calculator allows you to select different compounding frequencies:
More frequent compounding typically results in higher returns, though the difference becomes less significant as the frequency increases beyond monthly compounding.
The total amount you will initially invest or currently have invested. This is your starting principal that will grow over time through compound interest and additional contributions.
Regular monthly deposits you plan to make to your investment account. Consistent contributions are one of the most powerful ways to build wealth over time through dollar-cost averaging.
The average yearly return rate you expect from your investments. Historical data shows the S&P 500 has averaged approximately 10% annually over the long term, though individual years can vary significantly.
The number of years you plan to keep your money invested. Longer time horizons generally allow for more aggressive investment strategies and can help smooth out market volatility.
When setting your expected annual return, consider these historical benchmarks:
Remember: Higher potential returns typically come with higher risk and volatility. The actual rate of return on investments can vary widely over time, especially for long-term investments. Past performance does not guarantee future results.
To get the most from your investments, consider these strategies:
The power of compound interest is most effective over long periods. Starting even a few years earlier can result in significantly more wealth.
Regular monthly contributions, no matter how small, can add up substantially over time through dollar-cost averaging.
Avoid trying to time the market. Long-term investors who stay the course typically outperform those who frequently buy and sell.
When you receive raises or bonuses, consider increasing your monthly contributions to accelerate your wealth building.
This investment calculator is for educational and planning purposes only. The calculations provided are hypothetical and based on the assumptions you input. Actual investment returns will vary and can be positive or negative.
This calculator does not account for:
Before making any investment decisions, consult with a qualified financial advisor who can provide personalized advice based on your individual financial situation, goals, and risk tolerance.
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