Investment Return Calculator
How much will your investments grow? This calculator shows compound growth with monthly contributions, comparing different return rates and time horizons.
Investment Return Calculator
Project compound growth with regular contributions
Uses future value formula: FV = P(1+r/n)^(nt) + PMT×[((1+r/n)^(nt)-1)/(r/n)]. Contributions are assumed at the end of each period. Returns are not guaranteed and do not account for taxes or fees.
Frequently Asked Questions
What is a realistic investment return rate?+
Historical averages: S&P 500 (10-11% nominal, 7-8% real), Bonds (3-5%), Savings accounts (4-5% currently), Real estate (7-10% total return). Use 6-8% for conservative long-term projections, 10% for aggressive equity portfolios.
How much will $10,000 grow in 10 years?+
At 7%: $19,672. At 10%: $25,937. With $500/month contributions: $92,700 (at 7%) or $123,000 (at 10%). Monthly contributions dramatically outpace the initial investment — starting early matters more than starting big.
Should I invest a lump sum or dollar-cost average?+
Lump sum wins about 2/3 of the time (markets go up more than down). Dollar-cost averaging reduces risk of investing at the top. If you have a lump sum, investing immediately maximizes expected returns. If you earn a salary, you're naturally dollar-cost averaging.
What is a realistic investment return rate?
Historical averages: S&P 500 (10-11% nominal, 7-8% real), Bonds (3-5%), Savings accounts (4-5% currently), Real estate (7-10% total return). Use 6-8% for conservative long-term projections, 10% for aggressive equity portfolios.