Investment Return Calculator
Find out what a one-off investment could be worth in the future — 'if I invest X at Y% for Z years'.
Value after 20 years
$46,610
That's 4.7× your original investment.
Amount invested
$10,000
Total growth
$36,610
About the investment return calculator
This calculator answers the classic question: 'if I invest a certain amount at a given annual return for a number of years, what could it be worth?' It applies annual compounding to a single lump sum.
Small differences in the annual return or the length of time invested can lead to large differences in the final value, because growth compounds on itself year after year.
Frequently asked questions
What return rate should I use?
Historically, broad stock-market indexes have returned roughly 7–10% per year before inflation over long periods, though future returns are uncertain and any single year can be very different. Choose a rate you can justify and consider a conservative estimate.
Is a lump sum better than investing gradually?
This tool models a single lump sum. Many people instead invest gradually (dollar-cost averaging), which spreads out risk. Use the compound interest calculator to model regular contributions.
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