Investment Growth Calculator
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Growth Over Time
Learn more about investment growth
How Investment Growth Works
Investment growth is driven by two forces: your contributions and compound returns. When you invest consistently and reinvest your gains, your money begins earning returns on returns. This compounding effect accelerates over time, which is why starting early matters so much more than starting big.
This calculator models monthly compounding with regular contributions. The growth multiplier shows how many times over your total contributions have grown. A 2x multiplier means your investments doubled your money. Over 20-30 years with reasonable returns, multipliers of 3-5x are common and achievable.
Historical stock market returns have averaged about 10% annually before inflation (roughly 7% after inflation). These are long-term averages and individual years vary significantly. The key is staying invested through market cycles rather than trying to time entries and exits.
Use this calculator to see the impact of changing your monthly contribution by even $50-100. Small increases in consistent investing have an outsized impact over decades. The best time to start was yesterday. The second best time is today.
How Investment Growth Works
Investment growth is driven by two forces: your contributions and compound returns. When you invest consistently and reinvest your gains, your money begins earning returns on returns. This compounding effect accelerates over time, which is why starting early matters so much more than starting big.
This calculator models monthly compounding with regular contributions. The growth multiplier shows how many times over your total contributions have grown. A 2x multiplier means your investments doubled your money. Over 20-30 years with reasonable returns, multipliers of 3-5x are common and achievable.
Historical stock market returns have averaged about 10% annually before inflation (roughly 7% after inflation). These are long-term averages and individual years vary significantly. The key is staying invested through market cycles rather than trying to time entries and exits.
Use this calculator to see the impact of changing your monthly contribution by even $50-100. Small increases in consistent investing have an outsized impact over decades. The best time to start was yesterday. The second best time is today.
Investments are risky, but treating what a random guy on the internet says as financial advice is riskier. Do your own research. This is for educational purposes only.