Investment Return Calculator
See how your money grows over time with compound returns and regular contributions.
Retirement Calculator
Project your retirement savings
Tax Calculator
Estimate your federal taxes
The Power of Compound Growth
Compound growth is the most powerful force in investing. When your returns generate their own returns, wealth accumulates exponentially. The key factors are: how much you invest, your rate of return, and most importantly — time.
Rule of 72
Divide 72 by your annual return rate to estimate how many years it takes to double your money. At 8% return, your money doubles every 9 years. At 10%, every 7.2 years.
FAQ
What annual return should I expect?
The S&P 500 has historically returned about 10% per year (nominal) or 7% after inflation. Bond-heavy portfolios typically return 4-6%. Use a conservative estimate for planning.
How does compound interest work?
Compound interest means your earnings generate their own earnings. A $10,000 investment at 8% earns $800 in year one. In year two, you earn 8% on $10,800 ($864), and so on. Over decades, this snowball effect is dramatic.
Does this account for taxes and fees?
This calculator shows gross returns before taxes and fees. In a tax-advantaged account (401k, IRA), you defer or avoid taxes. In a taxable account, capital gains tax reduces your actual return by 1-2% depending on your bracket.