Advanced Investment Calculator

Yes! WealthTools is 100% free forever. We built this tool to help people make better financial decisions and plan for a secure retirement. All features are free for everyone.

This calculator focuses on projecting the growth of several investment accounts over time. It also provides advanced simulation functionality where you can customize yearly growth rates and monthly contribution amounts.

Pretty accurate! The calculator uses standard compound interest formulas to project investment growth based on your inputs. While past performance doesn't guarantee future results, this tool gives you a realistic estimate based on historical market returns. Remember to use conservative growth rates (6-8%) for more realistic projections.

Yup! Click the "Add Account" button to track your 401(k), Traditional IRA, Roth IRA, HSA, taxable brokerage accounts, and other investment accounts separately. Each account can have different starting balances, growth rates, and monthly contribution amounts. This lets you see your complete retirement picture across all your accounts.

Create a free account to save your investment projections, generate shareable links, and access your data from any device. Click "Share Results" to create a unique link you can bookmark or share with your financial advisor or spouse.

Monthly contributions have a massive impact on long-term wealth building through dollar-cost averaging and compound growth. For example, investing $500/month at 8% annual return for 30 years grows to over $750,000, while the same starting balance with no contributions would only reach about $160,000. The calculator shows you exactly how much your regular contributions will add to your wealth over time.

The S&P 500 has historically returned about 10% annually over the long term. However, after adjusting for inflation, a 7-8% real return is more realistic. Conservative investors often use 6-7% for planning, while aggressive growth portfolios might use 9-10%. Bond portfolios typically use 3-5%. It's better to underestimate returns and be pleasantly surprised than to overestimate and fall short of your goals.