📈 Investment & Retirement Calculators
Plan your financial future with our comprehensive investment and retirement calculators. See how your money can grow and prepare for a comfortable retirement.
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Investment Planning Essentials
🎯 The Power of Compound Interest
Compound interest is earning returns on your returns. A $10,000 investment at 7% annual return becomes $76,000 in 30 years through compounding. Starting early is the most powerful wealth-building strategy. Even small amounts compound significantly over decades.
🏖️ Retirement Planning
The 4% rule suggests you can withdraw 4% of retirement savings annually for 30 years. To retire with $40,000/year income, you need $1 million saved. Start with employer 401(k) match (free money!), then IRA, then increase 401(k) contributions to 15-20% of income.
💹 Understanding Returns
Historical S&P 500 returns average 10% annually (7% after inflation). Diversified portfolios typically return 6-8%. Conservative portfolios (bonds, stable stocks) return 4-5%. Higher returns come with higher risk. Balance risk based on time horizon and goals.
🎓 Tax-Advantaged Accounts
401(k) and Traditional IRA use pre-tax dollars (lower taxes now, pay later). Roth IRA and Roth 401(k) use after-tax dollars (tax-free forever). HSA is triple tax-advantaged. Max these accounts first before taxable investing. 2024 limits: 401(k) $23,000, IRA $7,000.