Investment Calculator
Project your wealth growth over time. See how compounding interest and consistent contributions can build your financial future.
Parameters
Wealth Gain Projection
The Importance of Starting Early
Compound interest is often called the eighth wonder of the world. By starting your investment journey early, you give your money more time to generate earnings, which in turn generate their own earnings.
"Time in the market beats timing the market."
Exponential Growth
Compounding rewards time more than the size of any single contribution.
Small Habits Compound
Consistent contributions, even modest ones, add up meaningfully over long timelines.
Risk vs. Reward
Higher expected returns usually come with higher risk. The 7-10% historical average of the stock market includes years of significant losses. Ensure your portfolio allocation matches your timeline and risk tolerance.
| Asset Class | Avg Return | Risk Level |
|---|---|---|
| Equities (Stocks) | 7-10% | High |
| Bonds | 4-5% | Medium |
| Cash/Savings | 1-2% | Low |
Frequently Asked Questions
Is inflation factored into these calculations?
No, this calculator shows nominal future value. To estimate real purchasing power, subtract the expected inflation rate (historically ~2-3%) from your expected return rate.
How is the interest compounded?
This tool compounds monthly — your contribution and the previous balance both earn the next month's return. Depending on your specific investment vehicle, compounding may occur daily, monthly, quarterly, or annually.
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