CompoundChart

Investment Calculator & Visualizer

Build a diversified portfolio with multiple investments. See the power of compound interest and how your money grows over time.

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portfolios calculated

Multi-Asset Portfolios

Track stocks, bonds, REITs, and more in one portfolio. See how diversification impacts your returns.

Share Your Plan

Generate a shareable link to discuss your investment strategy with advisors or friends.

Embeddable Widget

Add the calculator to your website or blog with a simple iframe code. Perfect for content creators.

Scenario Planning

Model volatility with standard deviation to see optimistic and pessimistic outcomes.

20 years

After 20 years, your portfolio will be worth

$564,353

Starting with:$10,000
Saving:$1,000/mo
Avg. return:7.0%

Initial

$10,000

Savings

$240,000

Simple Returns

$182,000

Compound Returns

$132,353

Portfolio1

View:
1Global Index Fund
Initial$10,000
Monthly$1,000
Return7%

Scenario Calculator

Model volatility & visualize outcomes

Inflation Adjustment

Show values in today's dollars

Withdrawal Plan

No withdrawals planned. Your portfolio will compound fully.

Portfolio Summary

Total initial:$10,000
Monthly savings:$1,000
Avg. return:7.0%
You invest:$250,000
You earn:+$314,353
Final value:$564,353

Portfolio Growth Over Time

Initial
Savings
Simple
Compound

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Understanding Compound Interest

Start Early

Time is your greatest ally. The earlier you start investing, the more time compound interest has to work its magic.

Stay Consistent

Regular monthly contributions, even small ones, add up significantly over time thanks to compound growth.

Diversify

Spread your investments across different assets. Use our calculator to track multiple investment parts.

Learn More About Investing

Expand your financial knowledge with our in-depth guides and articles.

Basics8 min read

What is Compound Interest?

Learn why Einstein called it the eighth wonder of the world and how it can grow your wealth.

Tips5 min read

The Rule of 72

Quick mental math to calculate how long it takes to double your money.

All Articles

Explore All Guides →

Retirement planning, the 4% rule, inflation, and more investment strategies.

Frequently Asked Questions

What is compound interest?

Compound interest is interest calculated on both the initial principal and the accumulated interest from previous periods. Unlike simple interest, which only earns on the principal, compound interest allows your money to grow exponentially over time. This is often called "interest on interest" and is why starting to invest early can make such a dramatic difference in long-term wealth building.

How do I calculate compound interest?

The compound interest formula is A = P(1 + r/n)^(nt), where A is the final amount, P is the principal, r is the annual interest rate, n is the number of times interest compounds per year, and t is the number of years. Our free calculator does this math automatically and shows you a visual breakdown of your investment growth over time.

What is the 4% rule for retirement?

The 4% rule is a retirement withdrawal guideline suggesting you can withdraw 4% of your portfolio in the first year of retirement, then adjust that amount for inflation each year. This strategy aims to make your savings last 30 years. Our calculator lets you model different withdrawal rates to plan your retirement income.

How much should I invest monthly?

A common guideline is to save 15-20% of your income for retirement. However, the right amount depends on your goals, timeline, and current financial situation. Use our calculator to experiment with different monthly contribution amounts and see how they affect your long-term wealth.

What return rate should I expect from investments?

Historical stock market returns average about 7-10% annually after inflation. However, past performance doesn't guarantee future results. Our Scenario Calculator feature lets you model different return rates and see optimistic, pessimistic, and expected outcomes based on historical volatility.