What is a realistic stock market return?

The S&P 500 has historically returned an average of 7–10% per year (inflation-adjusted ~7%). Past performance does not guarantee future results.

How often does compounding frequency matter?

Monthly compounding yields slightly more than annual compounding. On $10,000 at 7% for 20 years, monthly compounding gives ~$300 more than annual compounding.

What is the Rule of 72?

The Rule of 72 is a shortcut: divide 72 by the annual interest rate to estimate how many years it takes to double your money. At 7%, money doubles in ~10.3 years.

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Compound Interest Calculator

See how your investments grow over time with compound interest. Calculate future value with monthly contributions.

Input

Initial Investment

Annual Return

Time Period

years

Compound Frequency

Monthly Contribution

Results

Final Balance$300,851.00

Total Contributions$130,000.00

Interest Earned$170,851.00

Return on Investment131.4%

Portfolio Growth Over Time

Starting with $10,000.00 and adding $500.00/month at 7.0% annual return, your balance reaches $300,851.00 after 20 years.

Frequently Asked Questions

Compound interest is interest calculated on both the initial principal and the accumulated interest. Over time, this creates exponential growth known as "the snowball effect."

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