Compound Interest Calculator with Market Simulation
Calculate your investment growth with realistic market volatility. Instead of assuming a constant return each year, this calculator simulates real market behavior with variable annual returns that average to your target return.
Your Investment Details
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In 20 years you will have $614,863
Total Contributions:$130,000
Total Gains:$484,863
Portfolio Growth Over Time
Year-by-Year Breakdown
| Year | Annual Return | Ending Balance | Total Contributions |
|---|---|---|---|
| 1 | -0.1% | $15,985 | $16,000 |
| 2 | 11.2% | $24,189 | $22,000 |
| 3 | -5.3% | $28,802 | $28,000 |
| 4 | -12.5% | $31,076 | $34,000 |
| 5 | 5.0% | $38,816 | $40,000 |
| 6 | 15.3% | $51,641 | $46,000 |
| 7 | 5.0% | $60,438 | $52,000 |
| 8 | 21.5% | $81,424 | $58,000 |
| 9 | 8.1% | $94,514 | $64,000 |
| 10 | 11.2% | $111,985 | $70,000 |
| 11 | 21.5% | $145,216 | $76,000 |
| 12 | 11.2% | $168,671 | $82,000 |
| 13 | 28.7% | $230,865 | $88,000 |
| 14 | 21.5% | $292,336 | $94,000 |
| 15 | 5.0% | $313,521 | $100,000 |
| 16 | 21.5% | $394,628 | $106,000 |
| 17 | 8.1% | $434,111 | $112,000 |
| 18 | 15.3% | $511,960 | $118,000 |
| 19 | 8.1% | $561,331 | $124,000 |
| 20 | 8.1% | $614,863 | $130,000 |