Visualize the power of time over your money. Enter your initial capital, monthly contributions and return rate to see how your investment grows year by year.
Investment parameters
Year-by-year growth
| Year | Contributed | Total |
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For illustrative purposes only. Real returns vary and are not guaranteed. This does not constitute financial advice.
Applies the compound interest formula: FV = PV × (1 + r/n)^(n×t) + PMT × [((1 + r/n)^(n×t) − 1) / (r/n)], where PV is initial capital, PMT the monthly contribution, r the annual rate, n the compounding frequency and t the time in years.
The result shows exactly how much of your final wealth comes from your own money and how much was generated by compound interest alone. The difference tends to surprise — especially over 20+ year horizons.
For context: the S&P 500 has had a historical average return of approximately 10% annually in nominal terms (7% real after inflation). Emerging markets and other assets have different risk/return profiles.
Read: Compound interest explainedMore Tools · Más herramientas