Investment Calculator
How to Use
Choose a calculation mode: Forward (see growth) or Goal (plan monthly amount)
Enter initial investment amount and expected annual return rate
For Forward mode: enter monthly contribution and investment period
For Goal mode: enter current funds, target amount, investment period — system calculates required return rates
View results with principal vs. return breakdown
FAQ
What is compound interest?
Compound interest means earnings generate more earnings. Each period's returns are added to principal to generate future returns. This effect is powerful for long-term investing.
What annual return should I expect?
Historically, stock funds average ~10%, mixed funds 6-8%, bond funds 3-5%. Suggest conservative estimates like 7% for index fund investing.
Are the results accurate?
Results are based on a fixed return rate assumption. Actual returns fluctuate. For reference only, not investment advice.
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