Investment Calculator

Project your investment growth with compound interest. See how regular contributions can build wealth over time.

Investment Calculator

S&P 500 avg: ~10%

How to Use

  1. 1. Enter your initial investment amount
  2. 2. Add monthly contribution (if any)
  3. 3. Set investment period in years
  4. 4. Enter expected annual return rate
  5. 5. Click "Calculate Growth"

Investment Tips

  • • S&P 500 historical avg: ~10% annually
  • • Start early - time is your best friend
  • • Regular contributions compound faster
  • • Diversify your portfolio

Related Tool

Inflation Calculator →

See how inflation affects your investment returns

Grow Your Wealth with Compound Interest

Compound interest is one of the most powerful forces in finance. Our investment calculator shows you how your money can grow exponentially over time through the magic of compounding returns and regular contributions.

The Power of Compound Interest

Albert Einstein allegedly called compound interest "the eighth wonder of the world." When you invest, you earn returns not just on your initial investment, but also on all the returns you've accumulated. This compounding effect accelerates your wealth growth over time.

Why Monthly Contributions Matter

Regular monthly investments, even small ones, can significantly boost your final balance. This strategy, called dollar-cost averaging, helps you build wealth consistently while reducing the impact of market volatility. A $500 monthly contribution can make a massive difference over 20-30 years.

Setting Realistic Return Expectations

Historical data shows the S&P 500 has averaged around 10% annual returns over the long term. However, past performance doesn't guarantee future results. Conservative investors might use 6-7% for planning, while aggressive growth portfolios might project 8-10%. Always consider inflation when evaluating real returns.

Start Early, Invest Consistently

Time is your greatest ally in investing. Starting 10 years earlier can often matter more than doubling your monthly contribution. The earlier you begin, the more time compound interest has to work its magic on your investments. Don't wait – start investing today.