Investment Calculator
Project your investment growth with initial amount, monthly contributions, and rate of return
The Power of Compounding
Starting early is more powerful than investing more later. Time in the market is the biggest factor — even a few extra years can double your final value.
Guide
How it works
This calculator compounds monthly contributions at your chosen annual return rate. It shows how consistent investing grows wealth dramatically over time through compounding.
What annual return should I use?expand_more
The S&P 500 has historically averaged ~10% annually before inflation, ~7% after. Conservative estimates use 6–7%; aggressive use 10–12%.
Does this account for inflation?expand_more
No. To see real (inflation-adjusted) returns, subtract ~3% from your rate (e.g., use 5% instead of 8%).
What if I can only invest a small amount?expand_more
Even small monthly contributions compound dramatically. $100/month at 8% for 30 years grows to over $150,000.
Next steps