Investment Mode & Parameters
Principal invested upfront
Amount contributed each month
Optional starting capital at month 0
Investment horizon (1 - 60)
Assumed annual growth rate
S&P 500 long-term average ≈ 10%
Results
How returns are calculated
• Final Value (lump sum) = P × (1 + r)n; CAGR = (Final Value / Principal)1/n − 1.
• Final Value (DCA) = Σ Pmonthly × (1 + r/12)remaining months, summed over every contribution.
• IRR is solved by bisection: the rate that makes the net present value of all cash flows (contributions as outflows, final value as inflow) equal to zero, then annualized.
• ROI % = Total Profit / Total Invested × 100%.
• Years to Breakeven = years until cumulative profit equals total invested capital (payback / doubling time).
Benchmark Comparison
| Benchmark | Annual Rate | Final Value | vs. Yours |
|---|
Reference benchmarks (hardcoded for comparison only, not investment advice):
- S&P 500 long-term average: ~10% (default benchmark, adjustable above)
- U.S. Treasury / Bond Index: 4.0%
- Inflation (CPI, long-run avg): 3.0%
- Bank Savings (high-yield): 0.5%