Investment Return Calculator Guide

Harness the power of compound interest to grow your wealth. This Investment Return Calculator helps you project the future value of your portfolio based on contributions, time, and expected rate of return.

How to Use This Calculator

Initial Investment: Enter the amount you are starting with today.
Rate of Return: Input your expected annual return (e.g., 7-10% for stocks, 4-5% for balanced funds).
Years to Grow: How long do you plan to keep the money invested?
Additional Contribution: Enter amounts you plan to add monthly or annually.

Worked Examples

Example 1: Starting Early (The Power of Time)

Scenario: Alex, age 25, invests $5,000 and contributes $500 monthly for 35 years at an 8% return. Inputs: Initial: $5,000 Contribution: $500/monthly Rate: 8% Years: 35 Results: Total Principal: $215,000 Interest Earned: ~$970,000 * End Balance: ~$1.18 Million

Example 2: Short-Term Goal

Scenario: Maria wants to save for a wedding in 5 years. She has $10,000 and adds $200/month. She chooses a conservative bond fund returning 4%. Inputs: Initial: $10,000 Contribution: $200/monthly Rate: 4% Years: 5 Results: * End Balance: ~$25,500

Tips for Success

Start Now: Time is the most important factor in compounding. Stay Consistent: Automate your monthly contributions to remove emotion from investing. * Reinvest Dividends: Ensure all earnings are reinvested to maximize growth.

Glossary

Compound Interest: Earning interest on your interest. Rate of Return: The percentage gain or loss on an investment over a specific period. * Inflation: The rate at which the general level of prices for goods and services is rising, eroding purchasing power.

Investment Growth & Real Wealth

Inputs

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Calculated by CalcuFinance Team

Sources & References