Watch Your Investments Grow With Our Investment Calculator

Shawn Plummer

CEO, The Annuity Expert

Are you looking to invest your money and watch it grow? If so, you need to use our investment calculator! This free tool will help you track your investment growth over time and see how much money you can expect to make. It’s easy to use and very informative – give it a try today!

Investment Calculator

Our investment calculator illustrates the growth potential for your money to reach your investment goal. Input your initial balance, monthly contributions, fixed interest rate, and investing terms to determine your total growth.

Investment Withdrawal Calculator

After establishing your investment earnings in your savings account, determine how much income you can withdraw from your investment accounts. Input your age, state, starting balance (premium), and when you want to start withdrawing income.

Because annuities are the only investment plan in the United States that guarantees an income for life during retirement, you can estimate how much income you can receive to reach your investment goal. Use our personal finance calculator, then request a free quote from us below.

Note: You can purchase an annuity (with no tax penalties) with your 401(k), IRAs, retirement accounts, investments, and cash.

Why Invest?

When you invest, you’re taking your extra money and using it to make more. For example, if you invest in stocks or bonds, you’re helping companies or governments grow while also earning compound interest on your investment. This can turn small savings into a large nest egg over time–as long as avoiding some common investing mistakes.

If you want to be an investor but don’t have the time to manage your finances, index funds might be a good option for you. With this approach, you don’t need to research individual companies or buy and sell stocks on your own.

Investing Involves Risk

When you’re getting closer to retirement, your investment portfolio becomes more susceptible to market fluctuations. So what’s an investor supposed to do? Many experts say that older investors who are nearing retirement should reduce their risk by investing in a mix of stocks, bonds, or fixed index annuities.

When investing money, the general rule of thumb is that a higher potential return means higher potential risk. Conversely, safe investments might not even make as much money as inflation. Your best bet for figuring out how to invest depends on your age and comfort level with risks.

Contact a local financial advisor, advisory, or brokerage services for help with particular stocks or mutual funds for your investment portfolio. Contact us for help with an annuity to grow your retirement savings accounts.

Investment Calculator Definitions

Starting balance

Say you have money saved, and you just got a bonus. It can be used to fund your investment goal. Your capital is your initial investment point. Most brokerages offering mutual funds require starting deposits of up to $1,000. It’s possible to sell individual stocks with more cash.

Contributions

Generally, after the initial investment, the money needs to grow. Excessive savers could have to cut their budget drastically to contribute the best amount. Casual savers can opt to opt for fewer contributions. Your monthly investment income is your contribution. Besides that, you have the option to contribute as often as you wish. It’s here that it becomes exciting.

In some cases, the amount that is invested is automatically excluded. Depending upon your salary schedule, this might mean monthly or bimonthly contributions (in case you receive the money weekly). Some can make an annual contribution to investments.

Rate of return

Once you have determined the start-out balances, contribution amounts, and contribution frequency, you place the money into the hands of the markets. Tell us the return on your investment. The investments calculator defaults in this regard are 44%. The stock market is expected to have much greater earnings over the past decade. Tell me the answer. When we calculate the returns with a calculator, we consider that your assets include stocks, bonds, and some cash. This investment offers varying returns and experiences ups and declines as time progresses.

Types of investments used.

The investment calculator supports any investment, including stocks, bonds, mutual funds, high-yield retirement savings accounts, CDs, money market accounts, and retirement funds. A stock portfolio’s volatility can affect how a portfolio performs when using a stock market calculator. Stocks considered volatile are generally riskier and hence more prone to change. It means your returns can be high one day or low another. Use a less volatile rate to consider these unpredictable factors in determining your return rate.

The Risk Of Inflation

Most people are familiar with the concept of inflation, but few understand how it is actually determined. Inflation is simply a measure of the rate at which prices for goods and services rise over time. The consumer price index (CPI) is the most commonly used metric for determining the expected inflation rate. It is calculated by measuring the prices of a basket of consumer goods and services. If the CPI rises, then inflation has occurred.

One of the primary risks of inflation is that it can lead to a decrease in purchasing power. As prices rise, consumers have less money to spend on goods and services, and their purchasing power diminishes. This can lead to economic hardship, as people are forced to cut back on their spending to make ends meet. Inflation can also be unpredictable, making it difficult for consumers and businesses to budget and plan for the future. As a result, inflation can be a significant risk for individuals and economies.

How Can I Use This Investment Calculator To Create Goals?

The most helpful feature is it can be used to invest in your goals in the same way. By analyzing investment prospects in your future using essential statistics, you can see the potential to increase your investment with a specific strategy.

For example, can I make my investment much better with frequent contributions? Can someone invest more than their own money to increase the rate of return?

This investment calculator works great with our retirement calculator because the withdrawal calculator uses annuities to automate the withdrawal process from retirement savings on a guaranteed basis. Because annuities guarantee an income for the rest of your lifetime, setting investment goals becomes a breeze.

Additionally, annuities accept all types of investments.

How do I calculate my initial investment in a few years?

Use our investment growth calculator to see how much your investments have grown.

First, enter the initial investment balance, your contribution to your new investment rate, and how long the investment should last.

Then, tell us how much the growth will be over the next five or ten years based on the initial $150.

After you complete the form, the Calculator shows you the projected growth of the invested funds.

What is a reasonable rate of return?

Different investments offer different returns potential! Generally, riskier investments are likely to offer better returns. However, there are more significant risks of loss. Nevertheless, we can see if the expected returns will be stable if we look at historical averages.

How will taxes affect my investments?

Taxation impacts everything you do and everything in between. Taxes can influence your investments in many ways.

Risks and returns

The longer you retire, the more likely your investments could be affected. Is it possible for a private investment firm to invest? Conventional wisdom suggests older investment advisors should cut the risk by switching from a stock to a Bond. There is usually an imbalance of risk and return on investment. Higher returns are also more likely to generate risks. Despite its reputation as a good investment, it is rarely able to beat inflation. Finding the optimal asset allocation balance depends upon age and risk tolerance.

Tell me the purpose of investing.

The investment allows you to spend unused funds to do your business. Investing in stocks is suitable for a company to grow and earn recurring income. Compound interest can eventually take a relatively modest amount of savings and turn it into a real nest egg if you do not make investment mistakes. You need to research a specific firm or sell a company for investment. Research has shown a negative impact on your return on investment. People without enough time to manage their money could get by with index-backed securities.

Investment Growth Calculator

Use our compound interest calculator to see how your money grows.

How can I use this investment calculator?

You will be asked to update default information to fit your investment goals. Below are some tips for utilizing the Calculator.

Include your income tax rates

You could lose all the money in the taxable brokerage account you make with Uncle Sam even though you don’t mind taxes at all. It helps you include federal tax rates as part of any investment growth analysis to get more realistic results. See the federal tax rules governing tax brackets. Most states and cities do not collect taxes from investors, so ensure your state tax rates are included and determine whether they can deduct state taxes from your federal tax return.

Make your deposits as soon as possible.

Time on the market is critical to gaining money because the investment takes longer to compound and expand. The default setting of using the calculator is adding monthly contributions. In this case, a month-long contribution calculator calculates your investment growth using the deposit at the end of the month. Waiting too long is costly for the average person to pay.

Consider the Role of Inflation

Inflation occurs when prices rise throughout the economy and consume your dollar’s value over time. Preserving your buying ability is an excellent investment strategy. Between 1925 and 2020, consumer prices rose 2.9% each year. Inflation rates fluctuate constantly, and some years saw extreme inflation, as seen in 1980. Tell me the reason inflation rises.

What kind of investment account do you need?

Typically there is one type of investment account: the taxable account. This difference may help you deduct any investment contributions from a 401(k) or an IRA. This Calculator shows both scenarios: taxable or tax deductible. However, it is not a good decision if I want my money back.

Next Steps

Use our investment calculator to see how much money your investments could make over time! This free tool is easy to use and very informative. Give it a try today to see how your investment gains will compare against the stock market average. Contact us for a quote if you want professional help with investing. We would be happy to provide you with customized advice and guidance on how to grow your money. Thanks for reading!

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Frequently Asked Questions

How do you calculate investment?

Subtract the initial purchase price from the selling price to calculate the gain or loss. Then, take that number and divide it by the original purchase price. Finally, multiply by 100 to get the percent change in investment.

Is it better to invest monthly or annually?

With dollar-cost averaging, you invest your money at fixed intervals. This can be done weekly, monthly, or quarterly. Lump-sum investing is another strategy that can help you grow your money strategically. In general, lump sum investing outperforms dollar cost averaging.

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*Disclosure: Some of the links in this article may be affiliate links. I may receive a commission at no cost if you purchase a policy. It helps us keep the lights on!

Shawn Plummer

CEO, The Annuity Expert

I’m a licensed financial professional focusing on annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.

The Annuity Expert is an online insurance agency servicing consumers across the United States. My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you. 

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