Investment Calculator

Enter your initial investment, monthly contributions, expected annual return, and investment timeline. The calculator shows projected growth using compound interest. Remember that actual returns vary - use conservative estimates (6-7% for diversified stock portfolios after inflation) for planning.

Historical stock market returns average 10% nominally (7% after inflation). For planning purposes, use 6-8% for stock-heavy portfolios and 4-5% for balanced portfolios. Be conservative - it\\

Time is your greatest ally in investing due to compound growth. Starting 10 years earlier can double your final balance even with the same contributions. A 25-year-old investing $500/month at 7% until 65 accumulates about $1.2 million. Starting at 35 yields only about $550,000.

Historically, lump-sum investing beats dollar-cost averaging about two-thirds of the time because markets tend to rise. However, dollar-cost averaging reduces timing risk and emotional stress. If you\\

No investment returns are guaranteed. This calculator projects potential outcomes based on assumed return rates. Actual results will vary due to market conditions. Use multiple scenarios (optimistic, moderate, pessimistic) for comprehensive planning.