Compound Interest Goal
Compound Interest Goal Calculator

It can be difficult to set goals for regular contributions when you first start investing. You can say okay, I want to have $100,000 in 15 years. How much would you have to invest regularly to reach that goal? This calculator tries to help you figure that out.


Keep in mind that this calculator assumes a rate of return of 7% a year. This is a hypothetical rate of return and is used to create hypothetical scenarios. You may not be able to achieve this rate of return, even long term. Higher rates of return, such as 7%, carry higher risk and volatility. If you want to change the rate of return you can change it in the advanced options.

Useful Scenarios

Below are some scenarios that could give you a better idea of how to use this calculator.

Scenario #1

You have been looking into investing more and you decide you want to have $10,000 after 5 years of investing. You have some expendable income to put towards investing but you don't know how much you would need to invest to reach that goal.

Scenario #2

You recently had a kid and want to get a general idea of how much you will need to save to pay for their college. So you enter 18 for Years of Investment. And then try to come up with a rough estimate of how much it would cost and enter that in the Target Value. The default growth rate on investment in 7% so if you plan to keep your money somewhere with lower returns you can change the growth rate in the advanced options.



This section shows how much you would need to invest at the beginning of each month to reach your goal amount after a number of years. The fields on the right side of the calculator can be adjusted which would change the investment amount displayed in the center.


This section gives you a breakdown of the amount of your investments after each year. Each bar represents the total of your investments at the end of each investment year.

Advanced Options

Clicking the Advanced Options button will open a popup with a number of fields. The investment growth rate field allows you to edit the annualized growth rate that the contribution amount is calculated with. Doing so allows you to see how a lower or higher growth rate affects the monthly contribution amount. The age field allows you to enter your current age. Doing so will display how old you will be when the investment end value is reached.

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