Investment calculator
See what your money could grow to, at a rate from real market history or one you choose.
AmaltashEvery choice is a real past average for the years shown.
In 20 years at S&P 500's 1928–2025 average (10.0% a year), you could have
That would buy about what $236,614 buys today, if prices rise 3.0% a year (the 1928–2025 average).
Hypothetical illustration based on your inputs. Not a prediction, a recommendation, or the performance of any Amaltash strategy.
How it works: for a market average or a custom rate, your money grows at the yearly return you pick, compounded monthly. For a company or fund, we replay its real month-end prices: your money goes in at the start, and each monthly deposit buys at that month's price. Sources: NYU Stern 1928–2025 for markets, our own month-end prices for companies and funds.
Results change each time you change an input, and as new market data is added.
Real investing is different. Fees, taxes and trading costs are not included. Past market returns do not predict future returns, and you can lose money.
See every year
| Year | You put in | Growth | Balance |
|---|---|---|---|
| 1 | $16,000 | $1,323 | $17,323 |
| 2 | $22,000 | $3,379 | $25,379 |
| 3 | $28,000 | $6,242 | $34,242 |
| 4 | $34,000 | $9,994 | $43,994 |
| 5 | $40,000 | $14,722 | $54,722 |
| 6 | $46,000 | $20,525 | $66,525 |
| 7 | $52,000 | $27,510 | $79,510 |
| 8 | $58,000 | $35,797 | $93,797 |
| 9 | $64,000 | $45,515 | $109,515 |
| 10 | $70,000 | $56,807 | $126,807 |
| 11 | $76,000 | $69,832 | $145,832 |
| 12 | $82,000 | $84,762 | $166,762 |
| 13 | $88,000 | $101,790 | $189,790 |
| 14 | $94,000 | $121,124 | $215,124 |
| 15 | $100,000 | $142,997 | $242,997 |
| 16 | $106,000 | $167,662 | $273,662 |
| 17 | $112,000 | $195,399 | $307,399 |
| 18 | $118,000 | $226,516 | $344,516 |
| 19 | $124,000 | $261,351 | $385,351 |
| 20 | $130,000 | $300,278 | $430,278 |
How this calculator works
Growth. Your starting amount and monthly deposits grow at the yearly return you pick, compounded monthly. Deposits land at the start of each month.
The rates. Each market choice is a real, past average: the S&P 500 with dividends reinvested, a 60/40 mix of stocks and 10-year Treasuries, 10-year Treasuries, 3-month Treasury bills, and the 2000s "lost decade". Source: NYU Stern, Historical Returns on Stocks, Bonds and Bills.
Single stocks and funds look back, not forward. Pick one and we show what your plan really did over the years you choose, using month-end prices with dividends reinvested from our own market data. We never project a single stock forward.
What it leaves out. Fees, taxes and trading costs. Real returns also move month to month; we spread each year's return evenly across its months.
Questions people ask
How much will $500 a month grow to in 20 years?
It depends on the return you pick. Put $500 a month and 20 years into the calculator above, then try each rate. The S&P 500 averaged 10.0% a year from 1928 to 2025, and lost money in the 2000s. None of these is a promise.
What return should I use?
There is no right answer, so try a few. Every market choice in the list is a real past average for the years shown. The S&P 500 returned 10.0% a year from 1928 to 2025, but only −1.0% a year in 2000–2009. Try more than one, or type your own.
What does "would buy about what … buys today" mean?
Prices go up over time. A big number 20 years from now buys less than the same number today. We shrink the future number by the average price rise since 1928 so you can feel what it is worth now.
Does this include fees and taxes?
No. Fees and taxes lower real results. Check the costs of any account or fund you use.
See this with your real accounts
Connect your accounts and we keep the numbers up to date for you.