What is a realistic rate of return?

Historical stock market returns average around 7-10% annually after inflation. Conservative investments may return 3-5%, while bonds typically yield 2-4%. These are historical averages and past performance does not guarantee future results.

Should I invest regularly or lump sum?

Regular contributions (dollar-cost averaging) reduce timing risk and build discipline. Lump sum investing can be effective if you have available funds and good market timing.

How does compounding work?

Compounding means your investment earns returns, and those returns also earn returns. Over time, this compound growth significantly accelerates wealth building.

Investment Calculator

Overview

Calculate future investment value with regular contributions and compound interest over time.

The Investment Calculator helps you estimate the future value of your investments with regular contributions. Enter your initial investment, contribution frequency, interest rate, and investment period to see how your investment grows with compound interest.

How to use

Project your investment growth in a few quick steps.

Enter initial investment: Input the amount you're starting with.
Add regular contributions: Enter how much you plan to contribute monthly or annually.
Set expected return rate: Enter the expected annual rate of return (as a percentage).
Choose investment period: Specify the number of years you'll invest.
Review projections: Check your projected balance, total contributions, and investment growth over time.

FAQs

What is a realistic rate of return?: Historical stock market returns average around 7-10% annually after inflation. Conservative investments may return 3-5%, while bonds typically yield 2-4%. These are historical averages and past performance does not guarantee future results.
Should I invest regularly or lump sum?: Regular contributions (dollar-cost averaging) reduce timing risk and build discipline. Lump sum investing can be effective if you have available funds and good market timing.
How does compounding work?: Compounding means your investment earns returns, and those returns also earn returns. Over time, this compound growth significantly accelerates wealth building.