Investment Calculator
Calculate your investment growth with compound interest and regular contributions. Compare portfolio allocations and see projected returns.
Investment Details
Future Value
$300,851
Inflation Adjusted: $166,574
Investment Breakdown
Portfolio Allocation
Growth Over Time
Benchmark Comparison
S&P 500
10.5% annually
$486,172
Total Stock Market
10% annually
$452,965
Bonds
5% annually
$232,643
60/40 Portfolio
7.5% annually
$321,474
High-Yield Savings
4.5% annually
$218,617
How Investment Calculators Work
This calculator uses the compound interest formula to project your investment growth. It accounts for both your initial investment and regular monthly contributions, showing how your money grows exponentially over time.
Understanding Risk Profiles
- 🛡️Conservative: 30% stocks, 50% bonds, 20% cash. Lower risk with expected 4-5% returns. Ideal for short-term goals or risk-averse investors.
- ⚖️Balanced: 60% stocks, 30% bonds, 10% cash. Moderate risk with expected 6-8% returns. Good for medium-term goals.
- 🚀Aggressive: 85% stocks, 10% bonds, 5% cash. Higher risk with expected 8-10% returns. Best for long-term investors.
Investment Tips
- 1Start early - compound interest is most powerful over long periods
- 2Invest regularly regardless of market conditions (dollar-cost averaging)
- 3Diversify across asset classes to reduce risk
- 4Keep fees low by choosing index funds over actively managed funds
- 5Rebalance your portfolio annually to maintain your target allocation
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