Investment Return Calculator
Project the future value of your investments based on initial amount, monthly contributions, and expected returns.
Frequently Asked Questions
What is a realistic rate of return?▾
The S&P 500 has historically returned about 10% annually before inflation (roughly 7% after inflation). Individual returns vary based on asset allocation, timing, and fees. A diversified portfolio might target 7-10% nominal returns.
Why does this calculator show real vs nominal value?▾
Nominal value is the actual dollar amount you'll have. Real value adjusts for inflation, showing what that money would be worth in today's purchasing power. For long-term planning, real value gives a more accurate picture of your future wealth.
How important are regular contributions?▾
Extremely important. Due to compound growth, regular contributions over time often contribute more to your final balance than a large initial investment alone. Consistency matters more than timing the market.