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📈 Return calculator

See what investing a fixed amount every month could grow to over the next 50 years. Change the numbers and the chart updates instantly.

Monthly investment

Annual return

Savings account 2% Cautious 7% US stock market history ~10% Excellent stocks 15%

Your money after 50 years

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What you put in: — What your money earned: —

Years ahead →

The number only becomes real if you know where to invest

Compounding works wonders, but only for investors who can tell a good stock from a bad one and don't panic when markets fall.

Learn to invest →

This calculation is educational, not investment advice. Real market returns vary every year and can be negative; inflation and taxes are not included.

How compound returns grow a monthly investment

The calculator adds your monthly amount every month and lets it grow at the annual return you choose, compounded monthly. The chart shows two lines: the money you put in, and what it is worth with returns. The gap between them is the work compounding does, and it grows faster the longer you wait.

What return should I use?

US stocks have returned about 10% a year on average over the long run, including dividends, but with big swings from year to year and long stretches below average. A savings account pays far less, and a cautious mix of stocks and bonds sits in between. Try several values to see how much the assumption matters.

What it leaves out

The numbers are before inflation, fees and taxes. Real returns change every year and can be negative, so treat the result as an illustration of compounding, not a forecast.

Frequently asked questions

How much will $200 a month be worth in 30 years?

At a 10% annual return, investing $200 a month grows to about $413,000 after 30 years, of which you put in $72,000. At 7% it is about $234,000.

Does the calculator include inflation?

No. Results are in today's nominal currency before inflation, fees and taxes.