Investment Calculator
Calculate future value of investments with regular contributions and compound growth.
How Investment Returns Work
The stock market has historically returned about 7–10% annually (adjusted for inflation, ~7%). This calculator uses compound interest to show how your money grows over time.
The Power of Starting Early
Investing $200/month for 30 years at 7% grows to $243,994. Waiting 10 years and investing for just 20 years yields only $104,430 — less than half, despite investing for a shorter time.
Common Investments by Return Rate
- High-yield savings (4–5%): FDIC-insured, no risk
- Bonds (3–6%): Low risk, fixed income
- Index funds S&P 500 (7–10%): Moderate risk, long-term
- Real estate (8–12%): Higher risk, illiquid