What is an Investment Calculator?
An investment calculator shows you how your money can grow over time through the power of compound returns. Enter your starting amount, expected return rate, and regular contributions to see where you could be in 5, 10, or 30 years.
The magic is in compounding: your investment earnings generate their own earnings. A $10,000 investment growing at 8% annually becomes $21,589 in 10 years, $46,609 in 20 years, and $100,626 in 30 years—without adding a single extra dollar.
See Compound Growth
Visualize how your money multiplies over decades
Regular Contributions
See the impact of consistent monthly investing
Time Horizon Impact
Understand why starting early matters so much
Compare Scenarios
See how different return rates affect your outcome
Typical historical returns for reference:
- S&P 500 — ~10% average annual return historically (7% after inflation)
- Bonds — ~4-6% for investment-grade bonds, lower risk
- High-yield savings — ~4-5% APY currently (varies with Fed rates)
- Real estate — ~8-12% including appreciation and rental income
Important: Past Performance
Historical returns don't guarantee future results. Markets fluctuate—some years you'll gain 20%, others you might lose 10%. Use this calculator for planning, but invest in diversified portfolios and think long-term.