Investment Prediction Calculator
Visualize your potential wealth growth over time by investing in major market indices or custom rates.
This is a projection based on historical averages and is NOT investment advice. Actual market performance fluctuates and past results do not guarantee future returns.
Index returns are nominal historical averages — before inflation, taxes and fees. Subtract your expected inflation rate to read these figures in today's money.
Likely range (~68% of outcomes): $283,273 - $1,083,608
Growth Projection
Projected growth assuming a return based on S&P 500 performance.
After 20 years you would have about $554,037, of which $125,000 is money you put in. Most outcomes fall between $283,273 and $1,083,608.
Understanding the Results
- The green line shows the projected growth assuming a constant 12% annual return (historical average for S&P 500).
- The dashed line shows the total amount of money you actually put in from your own pocket.
Why the spread range?
Stock markets don't go up in a straight line. The grey band is roughly one standard deviation of S&P 500's volatility, scaled by the square root of time — about two years in three should land inside it, and one year in three outside. It is a spread of plausible outcomes, not a floor or a ceiling.
How to use this tool
- Enter your starting capital and how much you can realistically save each month.
- Choose an investment index (like S&P 500) to use its 10-year historical average return.
- Review the projection to see the difference between your savings and the compound interest growth.
Learn more about why starting small matters in our article: Investment Basics: Why Start Small Together
Want to keep your savings, investments and debts in one place, privately on your phone? See Volora, the net worth tracker
Guides on this topic
- The Rule of 72: How Fast Will Your Money Double?
Divide 72 by the yearly rate to see roughly how many years it takes to double. Using it for savings, inflation, fees and debt, and where it stops being exact.
- Simple vs Compound Interest: Why Idle Savings Don't Grow
€3,000 left in a current account is still €3,000 after ten years; at 4% compound it's €4,441. How simple and compound interest work, and where to keep savings.