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Project how your investments grow over time with compound interest. Enter your initial investment, expected return rate, and time horizon to see future value.
Investment growth relies on the compound interest formula A = P(1 + r/n)^(nt), where P is your initial investment, r is the annual return rate, n is the compounding frequency, and t is years. A $10,000 investment growing at 8% annually compounded monthly becomes approximately $22,196 after 10 years and $49,268 after 20 years — nearly five times your original investment without adding another dollar.
The S&P 500 has averaged roughly 10% annually before inflation (about 7% after inflation) over the past century. Bonds typically return 4-6%, and savings accounts 1-5% depending on the rate environment. Your actual return depends on asset allocation and market conditions.
Use the Rule of 72: divide 72 by your annual return rate. At 8% return, it takes roughly 72 / 8 = 9 years to double. At 6%, about 12 years. At 10%, about 7.2 years.
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