Project your investment returns based on rate of return and time period.
Project your long-term investment growth based on a starting amount, annual additions, and an expected rate of return.
Balance = (Previous + Contribution) × (1 + Rate)Investing is different from saving. While saving protects your money, investing aims to grow it significantly over time by taking calculated risks in the stock market, real estate, or other assets.
Higher potential returns usually come with higher risk. While stocks have historically returned ~10% annually, they are volatile in the short term. Bonds are more stable but offer lower returns. A balanced portfolio usually mixes both to manage risk while still achieving growth.
Many investors use our calculator to see when they will reach their "Number"—the portfolio size where they can live off the returns. The 4% rule suggests you can safely withdraw 4% of your portfolio each year in retirement without running out of money.
Example: $5,000 start + $1,200/year for 20 years at 8% ≈ $84,400