Upward trending market chart representing long-horizon compounding

Projection Desk

Compounding is a path,
not a promise.

Run contribution, CAGR, and dividend-reinvestment models with the same inputs a planning conversation actually uses: starting capital, monthly additions, horizon, and a return assumption.

Compound

CAGR

DRIP

Compound Return Model

See how contributions and time interact.

This model compounds monthly. The return field is an assumption you choose — historically, a balanced U.S. mix has often been modeled near the mid-single to high-single digits, with no guarantee of repeating.

Stacked coins suggesting gradual compound growth

Initial investment ($)

Monthly contribution ($)

Time period (years)

Assumed annual return (%)

Starting

$10,000

Contributed

$120,000

Growth

Projected

Composition of ending value

Principal Contributions Compounded growth

Beginning value ($)

Ending value ($)

Years held

Annualized CAGR

0.00%

Value multiple

0.00×

CAGR Calculator

Translate a lump-sum path into an annual rate.

CAGR answers a narrow question: if a starting amount grew smoothly to an ending amount, what constant yearly rate would produce that result? It ignores contributions, taxes, and sequence of returns.

Dividend Reinvestment

Model a DRIP: yield, share growth, and ending income.

Starting shares

Share price ($)

Dividend yield (%)

Price growth (%)

Holding period (years)

Ending share count

100.0 shares

Projected market value

Illustrative income at end

$0 / yr

Assumes yield stays constant as a percent of price. Real dividends can be cut, raised, or paused.

Saved Scenarios

Keep models on this device.

No saved scenarios yet. Use “Save scenario” on any calculator above.

Compounding is a path, not a promise.

See how contributions and time interact.

Translate a lump-sum path into an annual rate.

Model a DRIP: yield, share growth, and ending income.

Keep models on this device.

Compounding is a path,
not a promise.