$10K → $67K
Example outcome
$10,000 starting balance at 10%/yr for 20 years, no extra contributions. Try your own numbers below.
VOO Investment Calculator
10.0%/yr assumed Future value —
You contributed —
Investment growth —
This calculator is for illustrative purposes only. Results are based on hypothetical assumptions including a fixed annual return derived from historical averages. Actual investment returns will vary, possibly significantly, due to market conditions, fees, taxes, inflation, and other factors not modeled here. This is not a prediction, guarantee, or recommendation. Consult a licensed financial advisor for personalized projections.
How it works
1
You give it 4 numbers
Starting balance, monthly contribution, years, expected return.
2
It compounds monthly
Annual rate divided by 12, applied every month. Contribution added at month-end.
3
You see a projected balance
Broken out into what you put in vs. what compounding added on top.
What return rate should I use?
10%
Nominal, long-term average
S&P 500 average since 1926. The default. Does not adjust for inflation.
7%
Inflation-adjusted view
What 10% nominal looks like after ~3% inflation. Use this to think in today's dollars.
8%
Conservative nominal
Haircut off the historical average. Useful if you want a less optimistic baseline.