Investment Returns Calculator

Project your investment growth and analyze portfolio performance scenarios

Market-tested models
Real-time projections

Investment Returns Calculator

Project your investment growth over time

$
$
years
%
%
Conservative
Lower risk, stable returns (4-6% annually)
Moderate
Balanced risk and return (6-9% annually)
Aggressive
Higher risk, higher potential returns (8-12% annually)

Investment Overview

20 years
Investment Period
$130,000
Total Contributions
8.0%
Expected Annual Return

Calculate Your Investment Returns

Enter your investment details to see projected growth over time

Investment Success Tips

Start Early

Time is your most powerful ally in investing. Starting just 5 years earlier can significantly multiply your returns.

Diversify Wisely

Spread risk across different asset classes, sectors, and geographies. Consider low-cost index funds for broad exposure.

Stay Consistent

Regular contributions and staying invested during market volatility are key to long-term wealth building.

Investment Strategy Guide

Building wealth through smart investing requires understanding key principles and risk management:

Asset Allocation
Divide investments across stocks, bonds, and other assets based on your age and goals.
Dollar-Cost Averaging
Invest regularly regardless of market conditions to reduce volatility impact.
Risk Management
Balance potential returns with your comfort level and time horizon.

Investment Growth Timeline

Year 5
$15k
Year 10
$45k
Year 20
$180k
Year 30
$500k

Example: $500/month at 7% annual return

Frequently Asked Questions

What is a realistic investment return?

Historical stock market returns average around 7-10% annually over long periods. Conservative investments like bonds might return 2-5%, while aggressive growth investments might target 10-15%. Always consider inflation and risk tolerance when setting expectations.

How important are regular contributions?

Regular monthly contributions can dramatically increase your final investment value through dollar-cost averaging. This strategy helps reduce the impact of market volatility and builds wealth systematically over time.

What about inflation and taxes?

This calculator includes inflation adjustments to show real purchasing power. For taxes, consider using tax-advantaged accounts like 401(k)s and IRAs. Capital gains taxes may apply to taxable investment accounts.

Should I invest if I have debt?

Generally, pay off high-interest debt (credit cards) before investing. However, if you have low-interest debt and your employer offers 401(k) matching, contribute enough to get the full match while paying down debt.

Important Disclaimer

This investment calculator provides estimates for planning purposes only. Actual results may vary significantly based on market performance, fees, taxes, and economic conditions.

Key considerations:

  • Investment returns are not guaranteed and may fluctuate significantly
  • Past performance does not predict future results
  • Inflation will reduce the purchasing power of future dollars
  • Investment fees and taxes can significantly impact returns
  • Consider consulting with a qualified financial advisor for personalized investment advice

Always conduct your own research and consider your individual financial situation, risk tolerance, and investment objectives before making any investment decisions.

Advertisement Placeholder - 728x90 Leaderboard
Investment Returns Calculator - Project Your Portfolio Growth | MyWealthForge | MyWealthForge