📈 Investment Tracker

Track and Project Your Investment Growth

Whether you're saving for a specific goal or building long-term wealth, understanding how your investments will grow over time is crucial for financial planning. This investment tracker helps you calculate how much you need to invest daily or monthly to reach your goals, or project how much your current investments will be worth in the future. By accounting for compound interest and regular contributions, you can make informed decisions about your investment strategy.

Two Powerful Calculation Modes

• How Much Per Day? Enter your investment goal, time period, and expected return to calculate exactly how much you need to invest daily or monthly to reach your target. Perfect for goal-based investing like saving for a house, car, or major purchase.
• How Much Will I Have? Enter your current investment amount, regular contributions, and time period to project your future portfolio value. Great for tracking retirement savings, college funds, or general wealth building.

Understanding Compound Interest

Compound interest is often called the "eighth wonder of the world" because it allows your money to grow exponentially over time. When you earn returns on your investments, those returns can then earn returns themselves, creating a snowball effect. The longer your time horizon, the more powerful compound interest becomes.

Example: Investing $100 per day at 7% annual return for 30 years results in over $1.3 million, with only $1.1 million coming from your contributions - the rest is compound growth!

Key Investment Concepts

• Expected Annual Return: Historical stock market returns average 7-10% annually (S&P 500), but past performance doesn't guarantee future results. Use conservative estimates (6-7%) for long-term planning.
• Time Horizon: The longer you invest, the more time compound interest has to work. Starting early makes a huge difference - even small amounts invested over decades can grow substantially.
• Regular Contributions: Consistent investing (dollar-cost averaging) helps smooth out market volatility and takes advantage of compound growth.
• ROI (Return on Investment): Measures the profitability of your investments. Positive ROI means your investments are growing faster than inflation.

Investment Strategies

Dollar-Cost Averaging: Investing a fixed amount regularly (daily, weekly, or monthly) regardless of market conditions. This strategy reduces the impact of market volatility and removes the need to time the market.

Long-Term Focus: Short-term market fluctuations are normal. Focus on long-term trends and stay invested through market cycles to maximize returns.

Diversification: Spread investments across different asset classes (stocks, bonds, real estate) to reduce risk. Don't put all your eggs in one basket.

Start Early: Time is your greatest asset in investing. Starting to invest in your 20s or 30s gives compound interest decades to work its magic.

Important Notes

This calculator provides projections based on your inputs and assumed returns. Actual investment results will vary based on market performance, fees, taxes, and other factors. Investment returns are not guaranteed, and you may lose money. For personalized investment advice, consider consulting with a certified financial advisor. This tool is for educational and planning purposes only.