Compound Interest Calculator

Advanced Investment Growth Visualization

Calculate Future Value

Project how your investment could grow based on different market return assumptions.

Investment Details

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Return Assumptions

US Stock Market (Broad Index)

Total US stock market (large, mid, small cap blend)

Return:10%-11%
Volatility:

More Investment Types Coming Soon

Bonds, REITs, International Markets, and Balanced Portfolios

Investment Disclaimer:

This projection uses historical market data to estimate potential returns. Actual results may vary significantly due to market volatility, economic conditions, and other factors.

Learn more about our projection methods

Investment Steps

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Create multiple steps to model different phases of your investment journey. Add contribution periods, simulate retirement withdrawals, or model dividend income strategies.

Investment Disclaimer: The calculations and projections presented are for illustrative purposes only and do not represent guaranteed investment results. Future market performance can vary significantly from historical patterns. These projections should not be considered as financial advice, and actual returns may differ substantially from simulated outcomes. Always consult with a qualified financial professional before making investment decisions based on these calculations.

Frequently Asked Questions

How does WealthyPath's compound interest calculator and investing simulator differ from a basic tool to calculate investment growth?

WealthyPath is more than just a simple calculator—it's a powerful investing simulator and financial planning tool. While basic calculators show a single, smooth curve based on average returns, WealthyPath lets you build multi-phase plans, adjust for inflation, and visualize your wealth projection over time. If you enable the volatility simulation feature, you'll see how real-world market ups and downs can impact your results, giving you a much more realistic view of your financial future.

What is volatility simulation in a portfolio simulator, and why does it matter for financial planning?

Volatility simulation means your projections account for the unpredictable swings of real markets, not just average growth. When you activate the volatility simulation feature, WealthyPath uses a custom EGARCH-based model to generate hundreds or thousands of possible investment paths. This helps you understand the impact of 'volatility drag' and sequence risk—factors that can significantly affect your long-term results but are ignored by most calculators. This is essential for anyone serious about financial planning, retirement, or portfolio simulation.

Can I model different phases, like saving and withdrawing, in my retirement calculator or investment growth plan?

Absolutely! WealthyPath's step-based approach lets you create a detailed plan that matches your real life. You can add as many phases as you want—periods of contributing, withdrawing, or even 'interest-only' steps. Each step can have its own amount, frequency, and inflation adjustment, so you can model scenarios like early retirement, sabbaticals, or phased withdrawals. This flexibility makes WealthyPath a true multi-phase retirement calculator and investing simulator.

How does the calculator handle inflation and interest rate changes for compound growth projections?

You can set a custom inflation rate and choose whether to adjust your results for inflation, so your projections reflect real purchasing power. Each step—whether it's a contribution or withdrawal—can also be set to automatically increase with inflation. This means your plan can account for rising costs and changing interest rates, giving you a more accurate compound growth projection over time.

Does WealthyPath show a single outcome or a range of possible wealth projections?

If you enable the volatility simulation feature, WealthyPath runs Monte Carlo simulations to show a full range of possible outcomes, not just an average. You'll see percentiles (like 5th, 25th, 50th, 75th, and 95th) so you can understand the likelihood of different results and plan for uncertainty. If volatility simulation is off, you'll see a single, average projection—similar to most basic calculators.

What makes WealthyPath's compound growth and interest rate projections more realistic than other calculators?

Most calculators use simple averages and ignore volatility, which can lead to overly optimistic results and missed goals. WealthyPath's custom volatility model (when enabled) ensures that the compound annual growth rate (CAGR) in your simulations matches your expected return, even after accounting for market ups and downs. This means your projections are grounded in real-world math, giving you a more trustworthy and actionable picture of your financial future.