Dollarminer: Investment Calculator | Free Retirement & Compound Interest Calculator

Investment Calculator

Current Age

Retirement Target

Investment Growth Projection

Visualize your financial future with detailed compound interest calculations

Portfolio Value

Your Contributions

Interest Earned

Future Value

Nominal (Pre-Tax)

Real Value

After Tax & Inflation

Total Invested

Your contributions

Interest Earned

Compound growth

💡 Investment Insight

Adjust your contributions or timeline to see how it impacts your wealth growth.

Year-by-Year Investment Breakdown

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Year	Age	Start Balance	Contributions	Returns	Fees	End Balance

Frequently Asked Questions

How accurate is this investment calculator?

Our investment calculator uses proven mathematical formulas and historical market data to provide accurate projections. It accounts for compound interest, inflation, fees, and taxes to give you realistic retirement planning estimates based on your specific inputs.

What's the best investment return rate to use for retirement planning?

For long-term retirement planning, we recommend using historical averages: 10.33% for S&P 500, 7.94% for TSX, or adjust based on your risk tolerance. Conservative investors might use 6-8%, while aggressive investors might use 10-12% for stock-heavy portfolios.

How much should I invest for retirement?

Most financial advisors recommend saving 15-20% of your income for retirement. Use our investment calculator to determine exactly how much you need based on your age, target retirement age, and desired retirement income. The calculator shows how small increases in contributions can significantly impact your final portfolio value.

What is compound interest and how does it work?

Compound interest is interest earned on both your initial investment and accumulated interest. It's the most powerful force in wealth building. Our calculator shows exactly how compound interest grows your money over time through detailed year-by-year projections. The longer your time horizon, the more powerful compounding becomes.

Should I focus on age or amount for retirement planning?

Both approaches are valuable. Setting a target age helps you plan your timeline, while setting a target amount focuses on your desired lifestyle. Our calculator supports both methods - you can calculate how much you'll have by a certain age, or determine when you'll reach a specific financial goal.

How does inflation affect my retirement savings?

Inflation reduces purchasing power over time. Our calculator shows both nominal values (today's dollars) and real values (inflation-adjusted). This helps you understand what your savings will actually be worth in future dollars, ensuring your retirement planning accounts for rising costs of living.

Advanced Investment Calculator

Investment Growth Projection

Year-by-Year Investment Breakdown

Free Investment Calculator: Plan Your Financial Future

How to Use This Investment Calculator

Understanding Compound Interest

Investment Return Expectations

Retirement Planning Strategies

Frequently Asked Questions