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)

Compounding sets the equivalent monthly growth rate; contributions are deposited monthly.

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

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