Investment Calculator

Calculate future investment value and compound interest

Compound Interest
Future Value
Monthly Contributions
Goal Planning
Portfolio Growth
Investment Calculator
Calculate future investment value and plan your financial goals
Investment Strategies
Common portfolio allocations and expected returns

Conservative Portfolio

4% - 6%
Low Risk

Low risk, steady growth

Portfolio: 70% Bonds, 30% Stocks

Moderate Portfolio

6% - 8%
Medium Risk

Balanced risk and growth

Portfolio: 50% Stocks, 40% Bonds, 10% REITs

Aggressive Portfolio

8% - 12%
High Risk

Higher risk, higher potential returns

Portfolio: 80% Stocks, 15% International, 5% Commodities

Growth Portfolio

10% - 15%
Very High Risk

Maximum growth potential

Portfolio: 90% Growth Stocks, 10% Emerging Markets
Example Scenarios
Real-world investment planning examples

Retirement Savings

$739,348
Initial:
$10,000
Monthly:
$500
Years:
30
Return:
7%
Total Contributed: $190,000Gain: $549,348

Emergency Fund

$13,563
Initial:
$1,000
Monthly:
$200
Years:
5
Return:
3%
Total Contributed: $13,000Gain: $563

College Savings

$134,277
Initial:
$5,000
Monthly:
$300
Years:
18
Return:
6%
Total Contributed: $69,800Gain: $64,477
Compounding Frequency
How often interest is calculated affects your returns

Annual

Interest calculated once per year

1x/year

Semi-Annual

Interest calculated twice per year

2x/year

Quarterly

Interest calculated four times per year

4x/year

Monthly

Interest calculated twelve times per year

12x/year

Daily

Interest calculated daily

365x/year
Calculator Features

Future Value

Calculate how much your investment will be worth

Compound Interest

See the power of compounding over time

Time Value

Understand how time affects your investments

Goal Planning

Plan how to reach your financial goals

Common Use Cases
  • Plan for retirement and estimate future nest egg value
  • Calculate how much to save for a house down payment
  • Determine investment contributions needed for goals
  • Compare different investment scenarios and strategies
  • Understand the impact of inflation on savings
  • Plan for children's college education expenses
  • Evaluate the benefits of starting investing early
  • Analyze different contribution frequencies and amounts
Investment Tips

Start Early

Time is your greatest asset. Starting early gives compound interest more time to work.

Consistent Contributions

Regular monthly contributions can significantly boost your final returns through dollar-cost averaging.

Diversification

Don't put all eggs in one basket. Diversify across asset classes to manage risk.

Consider Inflation

Factor in 2-3% annual inflation when planning long-term financial goals.

Understanding Investment Growth

The Power of Compound Interest

Compound interest is earning interest on both your original investment and previously earned interest. Einstein allegedly called it "the eighth wonder of the world."

The formula: A = P(1 + r/n)^(nt), where A is final amount, P is principal, r is annual rate, n is compounding frequency, and t is time in years.

Investment Risk and Return

Higher potential returns typically come with higher risk. Historical stock market returns average about 10% annually, but with significant year-to-year variation.

Diversification across asset classes, geographies, and time (through regular contributions) helps manage risk while maintaining growth potential.