Investment Returns Calculator

The amount you're starting with (required)

%

Expected annual return rate (required):

  • High-yield savings: 4-5%
  • Bonds: 4-6%
  • Stock market (historical avg): 7-10%

How long you plan to keep your money invested (required)

Additional amount you'll invest each month (optional)

How often returns are compounded (optional)

When contributions are made in each period (optional)

How Investment Returns Work

Investment returns can come from various sources depending on the investment type:

  • Stocks: Capital gains (price appreciation) and dividends
  • Bonds: Regular interest payments and potential price changes
  • Real Estate: Rental income and property value appreciation
  • Savings Accounts: Interest payments from the bank

Compound returns occur when you earn returns not only on your initial investment but also on previously accumulated returns. This creates a snowball effect where your money grows faster over time. The power of compounding is amplified by:

  • Higher return rates
  • More frequent compounding
  • Longer investment periods
  • Regular contributions