Free online investment calculator: project how your investments grow over time. Enter initial amount, monthly contributions, expected return rate, and time horizon. See year-by-year growth with detailed breakdown. Perfect for retirement planning, wealth building, and financial goal setting. Mac OS 9 retro style.
Type in the amount you plan to invest initially. This is your starting principal that will grow with compound returns over time.
Enter how much you will contribute each month and your expected annual return rate. Historical stock market returns average 7-10% before inflation.
Set your investment period in years and click Calculate. Longer time horizons allow more compound growth. Review the year-by-year breakdown.
Q: What is a realistic average annual return?
A: Historical S&P 500 returns average about 7-10% annually before inflation. A conservative estimate of 5-7% is often used for long-term planning.
Q: How does compound interest work?
A: Compound interest means you earn returns on both your original investment and previously earned returns. Over time, this creates exponential growth.
Q: Should I invest a lump sum or monthly?
A: Both strategies have benefits. Lump sum investing captures immediate market exposure, while dollar-cost averaging (monthly) reduces timing risk.