Plan your retirement or investment goals with interactive projections
Total Invested
$0
Total Interest Earned
$0
Final Balance
$0
| Return Rate | Final Balance | Total Interest | Growth |
|---|
Compound Interest Formula: We use the standard compound interest formula with regular contributions:
FV = P(1 + r/n)^(nt) + PMT × [((1 + r/n)^(nt) - 1) / (r/n)]
This calculator assumes contributions are made at the beginning of each period and reinvests all earnings.
Stocks (Equities)
Historical average: 10-12% annually
Higher risk, higher potential return. Best for long-term growth.
Bonds (Fixed Income)
Historical average: 4-6% annually
Lower risk, steady income. Good for capital preservation.
Balanced Portfolio (60/40 stocks/bonds)
Historical average: 7-9% annually
Moderate risk, balanced approach. Popular for retirement planning.
High-Yield Savings / CDs
Current rates: 3-5% annually
Very low risk, FDIC insured. Good for emergency funds.
Real Estate (REITs)
Historical average: 8-10% annually
Moderate risk, includes dividends. Diversification benefit.
Historical Context:
Benchmarks by Risk Level:
• Conservative (low risk): 4-6%
• Moderate (medium risk): 6-9%
• Aggressive (high risk): 9-12%+
Important: Past performance doesn't guarantee future results. Higher returns typically require accepting higher risk and volatility. Consider your age, risk tolerance, and investment timeline when setting expectations.
Important Disclaimer: This calculator and all investing information provided are for educational purposes only. The calculations are estimates based on the inputs you provide and should not be considered financial advice. Actual investment returns vary and are never guaranteed. Past performance does not guarantee future results. Before making any investment decisions, please consult with a qualified financial advisor who can assess your individual circumstances, risk tolerance, and financial goals.