Use our investment calculator to quickly and easily see amounts and time frames that

will help
you reach your investment targets. The available features include:

Returns and Total Dollar Amounts

Variables
Values

Variables
Values

Variables
Values

Variables
Values

Variables
Values

Use our investment calculator to quickly and easily see amounts and time frames that

will help
you reach your investment targets. The available features include:

See your ending balance given a specified starting balance and stated return.

See how many years you need to contribute to your investments in order to reach your desired wealth.

Return
##### Return Rate :

See the return you need to reach your nest egg goal.

See how much you need to contribute each month to reach a desired ending balance.

See how much capital you need to start with to reach your retirement or savings goals.

Here’s how the End Amount Investment Calculator works, and how to

interpret the data it gives
you.

This is the amount of capital that you have to contribute to your investments right now (or when you start investing).

This is your expected return on investment. For reference, the S&P 500 index has returned 10% per year over the last 100 years. You can also think of this as an interest rate you are receiving.

Contributions are the additional amounts of capital you will add to your investments each month or each year – the payments you will make.

Choose monthly or yearly based on how often you will be making additional contributions to your investments. Increasing contribution frequency will increase your overall ending balance.

This is how many years you plan to invest.

This is how often your return rate compounds. Most investments will be compounded yearly since you only get that return once per year.

Choose the beginning or end. Beginning means you are making your contributions to your investments at the beginning or end of the month/year. Making contributions at the beginning of a period will increase your overall return since the money is gaining a return for longer.

This is how often your return rate compounds. Most investments will be compounded yearly since you only get that return once per year.

number, input an estimate, or try various scenarios to see how it affects the results.

Under the Results, you will see the following fields. Here’s what they mean:

This is your return per contribution interval. If you contribute yearly, it will be similar to your Return Rate. If it is monthly it will be a smaller amount since you are getting partial returns on your capital as you contribute throughout the year. See the Effective Interest Rate calculator for more on this.

This is the amount you started with (for reference). It is the same as the Starting Amount in the input field.

This is how much you made on your investments, over and above your contributions and Starting Amount.

This is the most important figure as it tells you how much your investment portfolio will be worth at the end of the number of years you selected.

This is the total amount of money you added to your investments over the number of years (doesn’t include the starting amount).

The chart above shows an example of starting with $10,000 and investing
over 20 years. The

calculation assumes an average yearly return of 7% compounded annually, with additional

contributions at the start of each month for $1,000.

Given this data, the ending balance in the account is expected to be
$549,102.91. Over and above

the
starting balance and contributions, your investments made you $299,102.91.

Output Fields

Use this calculator to see how much your monthly or yearly contributions

should be to reach an investment goal.

How much capital you have to put into your investments now (or when you start investing).

Your expected rate of return on your investments.

How much capital you want to have at the end of the investment horizon.

Whether you will be making your contributions at the beginning or end of the month or year.

How many years you plan to invest. This is often referred to as the “investment horizon.”

How often your gains are compounded. Typically, they are compounded yearly.

Whether you will make additional contributions monthly or yearly.

Under the Results, you will see the following fields. Here’s what they mean:

How much you have at the end of the number of years. It will match your goal.

The total amount of money you invested each month or year.

How much money your investments made over and above contributions and starting balance.

The amount you started with.

How much you need to contribute to your investments each month or year (depending on what you selected above).

Your return per contribution period.

Below is an example of the Additional Contributions calculator assuming a goal of reaching

$100,000
within 10 years based on a $2000 starting balance, 10% return, and making

contributions each
month
(beginning).

The contribution required per month is $470.63 to reach that goal.

Results

Use the Return Calculator to see the rate of investment return you need in

order to reach a
desired portfolio ending balance.

is left out. It will be calculated for you based on your target, starting balance, and contribution

Under the Results, you will see the following fields. Here’s what they mean:

Here is an example. Let’s assume you have $2,000 now, but you want to grow your savings to

$10,000 in
two years. You can afford to contribute $300 at the end of each month.

Inputting this data, your investments will need to return at least 6.97% per year in order to
reach

your goal of $10,000. You will have contributed $7,200, you started with $2,000, so your

investments
made you $800 over and above those amounts.

Investment Calculator

Use this calculator to figure out how much you have to start with in
order

to reach a desired ending balance based on a given rate of return and

contributions.

how much you can afford to contribute each year or month. Also, consider your expected rate of

return. Clicking “Calculate” will give you the Starting Amount required to reach your investing

target.

For example, let’s say you want to reach a goal of $1 million in 30 years. You
assume you can

make
6%/year on your investments and can contribute $1,000 at the beginning of each month.

According to our results, your required starting balance is $3,611.66 in order to reach this goal.

Example

Use the investment length calculator to determine how long you need
to

invest and make contributions in order to reach a desired portfolio ending

balance

Number of Years. This is calculated for you.

Your Period Contribution is the dollar amount you can contribute each month or year.

Assume you have $4,000 now and have a goal of reaching
$15,000. You believe
you can get 8%

investment returns and can afford to contribute $100 at the beginning of each
month.

In the results, you can see that it will take 5.778 years in order to reach
your goal. That equates
to

just over 5 years and 9 months (0.778 x 12 months).

here is the answer to your yours question.

Stocks have averaged a yearly return of 10% over the last 100 years. This is based on the S&P 500 index which tracks the largest 500 stocks in the United States. It is an average, which means that if you only invest in a few stocks your returns could be quite different. The top-performing stocks have returned thousands of percent over multiple years, while the worst-performing stocks go to zero.

Bonds tend to be less volatile than stocks and have also produced lower average returns. The average bond return over a 30-year period is 6.1%, while stocks averaged 10% yearly returns. Bonds are better for those with a lower risk tolerance. You can invest in bonds through exchange traded funds (ETFs), mutual funds, or buy bonds directly.

This will largely depend on how long you have until retirement. Assuming you have 30 years until retirement, you will need to contribute $700 per month at a return of 8% in order to reach $1 million at the end of the 30 years.

Stocks are one of the best investments that are easy to buy and sell. U.S. stocks have returned 10% per year over the long run. Bonds are considered less volatile and have returned 6% over the long run. Real estate can also be a great long-term investment averaging 10% returns. Farmland is slightly better at 11% per year.

In a savings account, $100,000 may earn 3% interest. Interest is typically compounded monthly so you make money on interest already earned. Therefore, you will make slightly more than $3,000 ($3,041). If you can earn 5%, you will make just over $5,000 ($5,116) after compounding.

Investment calculators are useful for figuring out exactly how much you need to contribute each month to reach a goal, or the starting capital or rate of return you need. It can also be used to show how long you need to invest to get your desired ending balance.

While you can try out different scenarios using random numbers, to get the most accurate results, spend some time thinking about your financial situation, what you can actually afford, and a rate of return that is realistic.

If you want to figure out your taxes for the year, use the Income Tax Calculator. If you need to calculate what a lump of money is worth now or in the future, you can use the Finance Calculator.