Investment & Wealth Planning
Use the power of time to grow your assets and beat inflation.
What this calculator does
The core of investing is compound interest—earning a return on your returns over time. This category provides four essential tools: a Compound Interest Calculator for ongoing regular investments; a Retirement Savings goal tracker to determine your required monthly deposits; a Real Return calculator to show your genuine purchasing power after inflation; and the Rule of 72 for quickly estimating doubling times. Ignoring the effects of compounding and inflation can lead to a massive retirement shortfall.
Worked examples
- Investing 10,000 monthly at a 7% annual return for 30 years grows to roughly 12.2M. You deposited 3.6M, but compound interest did the heavy lifting by adding 8.6M.
- A nominal return of 7% sounds great, but with 3% inflation, your real return is actually closer to 3.88%—this is your true growth in purchasing power.
Frequently asked questions
- What expected return rate should I use?
- Global stock market indexes historically average 7%-10% per year including inflation. For conservative planning, 5%-6% is safer.
- How much inflation should I plan for?
- Historically, global inflation averages around 2%-3% per year. Using 3% is a solid conservative benchmark for long-term estimates.