Alleex

Investment Return Calculator

Project how your investments will grow over time with annual contributions and compound returns.

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%
ConservativeAggressive
20 years
$
Monthly equivalent: $416.67

Future Value

$363,638.54

Total Return$238,638.54
Total Contributions$125,000.00
Initial Investment$25,000.00
Total Contributions$125,000.00
Total Return$238,638.54
Return on Investment190.9%
Future Value$363,638.54
Contributions (34.4%)Returns (65.6%)

How to Use This Investment Calculator

Enter your initial investment amount, expected annual return rate, investment time horizon, and any annual contributions you plan to make. The calculator projects your portfolio's future value and shows you a year-by-year breakdown of how your wealth accumulates over time through contributions and compound returns.

Historical Average Returns

The S&P 500 has historically returned about 10% per year before inflation (roughly 7% after inflation). Bond markets have averaged around 5-6% annually. A balanced portfolio of stocks and bonds typically targets 7-8% annual returns. Remember that past performance does not guarantee future results, and actual returns will vary year to year.

Tips for Long-Term Investing

  • Start investing as early as possible to maximize compound growth
  • Diversify across asset classes, sectors, and geographies
  • Keep costs low with index funds and ETFs
  • Stay the course during market downturns — avoid panic selling
  • Increase your annual contributions as your income grows
  • Take advantage of tax-advantaged accounts (401k, IRA, Roth IRA)