Find out how much your money can grow. Enter your starting amount, annual rate of return, and time period to see total gain, compound interest, and final portfolio value — instantly. Works worldwide with 50+ currencies.
Fill in your details on the left and click Calculate to see how your money grows over time.
An investment return is the money you gain on top of what you originally put in. It is usually shown as a percentage of your starting amount. The two main types are simple return and compound return. If you want to work out the percentage your investment has grown each year, our rate of return calculator can help you do that quickly.
Simple return only applies to your original amount. Compound return earns on both your original investment and the returns already added — so your money grows faster as time goes on. This is sometimes called "interest on interest."
The longer you stay invested, the more powerful compounding becomes. That is why starting early often matters more than how much you invest. Even small amounts, given enough time, can grow into large sums through compound growth. If you have a specific amount you want to reach, try our savings goal calculator to find out how long it will take to get there.
Here are the key formulas this calculator uses:
Key: P = Principal, r = Annual Rate, n = Compounding periods per year, t = Years, FV = Final Value, PV = Present Value. To see how fees and fund expenses reduce these figures over time, use our investment fee calculator. For a straightforward percentage gain on any investment, the return on investment calculator gives you a fast answer.
| Annual Rate | 5 Years | 10 Years | 20 Years |
|---|
Based on $10,000 lump sum, compounded monthly. Values are illustrative.
| Asset Type | Typical Annual Return | Risk Level |
|---|---|---|
| Savings Account / Fixed Deposit | 2–7% | Very Low |
| Government Bonds | 3–8% | Low |
| Corporate Bonds | 4–9% | Medium-Low |
| Index Funds (broad market) | 6–12% | Medium |
| Real Estate | 5–10% | Medium |
| Individual Stocks | Varies widely | High |
| Crypto (BTC avg) | Highly variable | Very High |
Returns are historical averages and not a guarantee of future performance. Past returns do not predict future results.
Based on a $10,000 starting investment, compounded monthly.
| Annual Rate | 5 Years | 10 Years | 15 Years | 20 Years | 25 Years | 30 Years |
|---|
Formula: FV = 10,000 × (1 + r/12)^(12×t). All values in $. No regular contributions included.
Shows how much your investment has grown as a percentage of your original amount.
| Years | 4% | 6% | 8% | 10% | 12% | 15% |
|---|
ROI = (Final Value − Principal) ÷ Principal × 100. Based on monthly compounding, no contributions.
Starting with $10,000 at 7% annually, compounded monthly.
| Monthly Contribution | 10 Years | 15 Years | 20 Years | 25 Years | 30 Years |
|---|
Based on $10,000 lump sum + monthly contributions at 7% compounded monthly. Values show total portfolio value.
How often interest compounds changes your outcome. Based on $10,000 at 8% over various periods.
| Compounding | Times/Year | 5 Years | 10 Years | 20 Years | 30 Years |
|---|
Formula: FV = 10,000 × (1 + 0.08/n)^(n×t). Simple interest shown for comparison only.
Long-term historical return data from major markets and asset types. For reference only — past results do not guarantee future returns.
| Asset / Index | Avg Annual Return | Time Period | Inflation Adj. | Risk Level | Best For |
|---|---|---|---|---|---|
| S&P 500 (US Stocks) | ~10% | 1957–present | ~7% | Medium | US large-cap growth |
| NASDAQ Composite (US) | ~11–13% | 1971–present | ~8–10% | High | Tech/growth exposure |
| FTSE 100 (UK Stocks) | ~7–8% | 1984–present | ~4–5% | Medium | UK blue-chip stocks |
| ASX 200 (Australia) | ~8–9% | 1992–present | ~5–6% | Medium | Australian market |
| NSE Nifty 50 (India) | ~12–14% | 1996–present | ~7–9% | Medium-High | Indian large-cap stocks |
| JSE All Share (South Africa) | ~10–12% | 1995–present | ~4–6% | Medium-High | South African market |
| PSEi (Philippines) | ~8–11% | 1987–present | ~5–7% | Medium-High | Philippine stocks |
| NSE 20 Share Index (Kenya) | ~8–12% | 1994–present | ~3–6% | High | East African market |
| Government Bonds (global avg) | ~3–6% | Varies by country | ~0–3% | Low | Capital preservation |
| Real Estate (global avg) | ~6–10% | Long-term | ~3–6% | Medium | Income + appreciation |
| Gold | ~5–6% | 1971–present | ~2–3% | Medium | Inflation hedge |
| Fixed Deposit / Savings | ~2–7% | Current rates | ~0–3% | Very Low | Short-term safety |
| Bitcoin (BTC) | Highly variable | 2010–present | Highly variable | Very High | Speculative |
All returns are approximate long-term averages. Tax treatment, fees, and timing vary. This table is for educational reference only and is not financial advice.
Estimated final value after capital gains tax on the growth portion only. Based on $10,000 at 7%, monthly compounding.
| Years | Gross Value | After 10% Tax | After 15% Tax | After 20% Tax | After 25% Tax | After 30% Tax |
|---|
Tax is applied to gains only (Final Value − Principal). Actual tax varies by country, holding period, and income bracket. Consult a tax professional for advice.