Investing

Investment Calculator

What steady investing could build over time — no hype, just math.

Enter your numbers above.

Estimates only — not financial advice. See assumptions below.

How this works

Assumptions

  • Returns compound monthly at a constant assumed rate.
  • Illustration only — markets fluctuate; past performance doesn't guarantee future results.
  • Before-tax; taxes and fees not included.

FAQ

Is 7% realistic?

It's a commonly cited long-term historical average for diversified U.S. stocks — but any single 20-year period can differ sharply. Treat it as an illustration, not a promise.

Why start early?

Compounding rewards time: contributions made early earn returns for decades. The calculator shows contributions vs. growth separately so you can see it.

Keep unpacking

The Money Brief

Unpack money in your inbox.

Practical money insights, useful tools and important financial updates without the noise.

I'm interested in:

How we make money: Unpack Money may receive compensation when you click certain links or apply for products through our site. Compensation may affect where products appear, but it does not determine our editorial evaluations. Learn more