Investment Calculator
Calculate compound interest growth and visualize your investment over timeInputs
Regular monthly deposits increase growth significantly
Conservative: 5-7%, Moderate: 8-10%, Aggressive: 10-12%
Longer time horizons benefit more from compound growth
How often interest is calculated and added
Enter values to see results
Join Early, Shape The Future
What is this?
An investment calculator shows how compound interest grows your money over time. Compound interest means you earn interest on your interest - the "8th wonder of the world" according to Einstein. Regular contributions dramatically accelerate growth.How to use
Enter your starting amount, monthly contribution, expected return rate, and time horizon. The S&P 500 has averaged ~10% annually over 100 years, but 7-8% is more conservative for planning. Longer time horizons and consistent contributions are key to wealth building.Tips
- Start early - 10 years of investing beats 30 years of saving in a bank account
- Consistency > timing - monthly contributions smooth out market volatility
- Tax-advantaged accounts (401k, IRA) compound faster due to deferred taxes
- Real returns = nominal returns - inflation (typically 2-3%)
- Don't try to time the market - "time IN the market beats timing THE market"
- Increase contributions with raises - 1% salary increase = massive long-term impact
- Rebalance annually to maintain target asset allocation
- Dollar-cost averaging reduces emotional investing mistakes
Disclaimer: This calculator provides estimates for informational purposes only and does not constitute financial advice. Actual results may vary based on lender terms, market conditions, and individual circumstances. Consult a qualified financial advisor before making financial decisions. See our full disclaimer for details.