Free Investment Calculator

This calculator uses standard compound interest formulas with monthly compounding to provide estimates. Actual investment returns may vary based on market conditions, fees, taxes, and other factors. Use these results as a general guideline for planning purposes.

Compound interest is when you earn returns not just on your initial investment, but also on the accumulated interest over time. This creates exponential growth and is often called "interest on interest." It's one of the most powerful concepts in investing.

Historical stock market returns average around 7-10% annually after inflation. Conservative estimates use 5-7%, while aggressive growth portfolios might use 8-10%. Always research your specific investment strategy and consider consulting a financial advisor.

Yes! Simply modify any of the input fields and click "Calculate Investment" again to see updated results. This allows you to experiment with different scenarios and compare various investment strategies.

Regular monthly contributions leverage dollar-cost averaging and dramatically increase your investment growth through consistent compounding. Even small monthly additions can significantly impact your long-term returns compared to a one-time investment.

This calculator provides a solid foundation for retirement planning estimates. However, comprehensive retirement planning should also account for inflation, taxes, changing contribution amounts, and various income sources. Consider working with a financial advisor for detailed retirement planning.