Best Investment Calculator - Comparewise

Investment Calculator

Here’s how investment calculator Canada can help you calculate the impact of inflation on your investments as well as your savings. Continue reading to find out.

It can be challenging to keep track of your money if you have more than one source of income. Our investment calculator keeps tabs on your investment income and is simple, straightforward, intuitive, and quick.

With the input of a few data points, you may plan your investments, estimate your returns, and investigate strategies to improve your portfolio’s performance.

Questrade Get 50 970 X 250 Comparewise - Comparewise

The Investment Calculator can be used to compute a particular investment plan parameter. The tabs stand for the searchable criteria. To calculate the required rate of return on an investment based on the parameters you enter, select the “Return Rate” tab, for instance.

Annual Investment Schedule (Using the Investment Calculator)

An Annual Investment Calculation Using $10,000 as the starting point, a 10-year period, a $200 contribution, and an annual compounding rate of 6%

S/NoStart PrincipalStart BalanceInterest Rate @ 6%End BalanceEnd Principal
1$10,000$10,000$665.31$13,065.31$12,400.00
2$12,400.00$13,065.31$849.23$16,314.53$14,800.00
3$14,800.00$16,314.53$1,044.16$19,758.71$17,200.00
4$17,200.00$19,758.71$1,250.85$23,409.54$19,600.00
5$19,600.00$23,409.54$1,469.87$27,279.41$22,000.00
6$22,000.00$27,279.41$1,702.06$31,381.48$24,400.00
7$24,400.00$31,381.48$1,948.19$35,729.68$26,800.00
8$26,800.00$35,729.68$2,209.09$40,338.76$29,200.00
9$29,200.00$40,338.76$2,485.63$45,224.40$31,600.00
10$31,600.00$45,224.40$2,778.77$50,403.17$34,000.00

Relevant Variables

There are four main parts to any average investment in the financial markets.

Investing Calculator - Comparewise

Return rate

This is the most crucial factor for many investors. It’s easy to ignore this percentage because it doesn’t seem like much, but it’s the hard number that’s used to compare how good different investment opportunities are.

Starting Amount

This is the initial outlay, which may also be referred to as the “principal.” “Investment-grade” capital is a large amount of money saved for a down payment on a house, an inheritance, or the cost of buying a lot of gold.

End Amount

Your goal is to reach it when the investment matures.

investment duration. The longer an investment is expected to last, the greater the risk becomes due to the unpredictability of the future. Most of the time, when you invest more money over a longer period of time, you get more money back.

Additional Contribution

It is possible to invest without receiving periodic payments, sometimes known as annuity payments. Nonetheless, suppose you add to an investment at any point throughout its lifetime.

If that happens, the total value of your investment will go up because more interest and principal have been added to it.

Investment Calculator Canada - Comparewise

How Does Investing Help You?

By investing, you may put your spare cash to work for you. Putting money into stocks and bonds can be beneficial to both the company or government you’re investing in and the investor, who will receive interest payments on their principal plus a dividend.

 Compound interest over time can grow even a small deposit into a substantial nest egg. Of course, assume you don’t make the common investing blunders.

To become an investor, you need not conduct your research on companies and engage in buying and selling stocks on your own.

 As a matter of fact, studies have shown that this strategy rarely yields positive results over time.

When it comes to investing, the average person probably doesn’t need anything more complicated than a few low-fee index funds because they don’t have the time to monitor their portfolio.

Potential Gains and Losses

If you’re getting close to retirement age, you need to be more careful about stock market drops. Is there anything a speculator can do? The conventional wisdom is that retirees should lower their risk exposure by moving part of their investments out of stocks and into bonds.

There is typically some sort of compromise between safety and profit in investing. The investments with the highest profit potential also carry the highest risk.

Sometimes, even the most secure assets can’t keep up with inflation. Your age and level of risk comfort will determine the asset allocation mix that’s best for you.

Starting Balance

Let’s assume you have some cash at hand, maybe from savings or a recent windfall like a bonus or inheritance. You might use that money as the foundation of your investment.

 When you invest, you’ll want to use your primary (or opening balance) as your initial investment.

Having a minimum deposit of $10,000 is typical for online brokerage accounts that permit investing in mutual funds and index funds. Individual stocks and bonds can be purchased for much less.

Index Fund Return Calculator - Comparewise

Contributions

Having started with that sum, you’ll likely wish to contribute more to your investment over time. Extreme savers may need to make significant sacrifices to make a larger potential contribution.

Savings goals are flexible, so casual savers may opt for a smaller annual total. Your contribution is the amount of money you put into your investments on a regular basis.

The frequency of your contributions is also up to you. We’ve reached the exciting part.

Some people’s savings and investment contributions are deducted mechanically from their paychecks.

That may imply deposits every month or every two weeks, depending on how often you get paid (if you get paid every other week). However, most of us can only afford to make annual investments.

Return on Investment

The moment you commit to a starting balance, commitment amount, and contribution frequency, you are entrusting your money to the market. So, how do you estimate your return on investment? In any case,

SmartAsset’s investment calculator uses a default rate of return of 4%. If you’ve read that the stock market often gives much bigger returns over decades, this may seem like a small amount.

Allow us to elaborate. Rates of return for our calculators are based on the assumption that you will have a diversified portfolio of equities, fixed-income securities, and liquid funds.

Those investments fluctuate in value and return over time at different rates. To avoid under-saving, it is best to adopt a low rate of return estimate.

If you want to feel certain about your financial future, you may bank on a 10% rate of return. However, this is probably not a true reflection of your investing ability.

My friend, if you do that, you will end up not saving nearly enough. Undersaving can put you in a precarious financial position in the future.

It takes years to compile

Last but not least, think about how long you can wait to see returns on your investment. You should think about how many years will pass before you plan to start withdrawing money from your assets.

The longer your investment horizon, the more time your money has to grow through compound interest. To avoid having to start investing late in life, it’s best to have a head start in your profession.

Investing isn’t just for retirees and the wealthy, despite popular belief. Keep in mind that the typical starting investment in a mutual fund is only $5,000.

Questrade Get 50 970 X 250 Comparewise - Comparewise

Types of Investment Options

If you can reduce an investment opportunity to the above criteria, our Investment Calculator can help. Here are some typical financial commitments: There are a plethora of other investment opportunities available.

Certificates of Deposit (CDs)

Certificates of deposit (CDs), offered by most banks, are a straightforward investment option that may be used with the calculator.

You can invest safely with a CD. The Federal Deposit Insurance Corporation (FDIC) is a United States federal body that insures deposits at banks.

Bonds

Bond investments carry a certain degree of risk. More expensive premiums are the norm when dealing with high-stakes situations.

For instance, there is always the chance that purchasing the bonds or debt of corporations rated as high risk by the organizations that evaluate degrees of risk in corporate debt (Moody’s, Fitch, Standard & Poor’s) will result in losses on investments due to the company going out of business.

Stocks

Equity investments, sometimes known as “stocks,” are common. Even though they don’t pay a fixed rate of return, they are still an important class of asset for investors of all sizes.

A stock represents a fractional ownership interest in a corporation. It allows a person to own a piece of a public firm and receive a cut of the profits for as long as they keep their shares (and the company pays dividends).

Properties in the Real Estate Market

Real estate is another common choice for an investment portfolio. Purchasing single-family homes or multi-unit buildings is a standard method of diversifying financial portfolios into real estate.

As a result, the owner can either sell them (a practice known as “flipping”) or rent them out until a more favorable time to sell arises.

If you need more information on rental properties or want to do some calculations involving rental properties, please check out our handy Rental Property Calculator.

Commodities

Commodities are the final category. Gold and silver are examples of such commodities, but oil and natural gas are essential.

Investment in gold is complex since its value is not based on its industrial applications but on the fact that it is finite. During economic instability, gold is a popular asset for investors to have on hand.

You might also like…

Initial Investment (Max. $1,000,000)

Regular Contributions (Max. $50,000)

Investment Duration (Max. 35 Years)

 Years         

Rate of Return (Max. 8%)

Result

New Balance
Investment Return
Return Percent

Based on this information, you will have gained () from your investment, giving you .

Investment Calculator

Here’s how investment calculator Canada can help you calculate the impact of inflation on your investments as well as your savings. Continue reading to find out.

It can be challenging to keep track of your money if you have more than one source of income. Our investment calculator keeps tabs on your investment income and is simple, straightforward, intuitive, and quick.

With the input of a few data points, you may plan your investments, estimate your returns, and investigate strategies to improve your portfolio’s performance.

Questrade Get 50 970 X 250 Comparewise - Comparewise

The Investment Calculator can be used to compute a particular investment plan parameter. The tabs stand for the searchable criteria. To calculate the required rate of return on an investment based on the parameters you enter, select the “Return Rate” tab, for instance.

Annual Investment Schedule (Using the Investment Calculator)

An Annual Investment Calculation Using $10,000 as the starting point, a 10-year period, a $200 contribution, and an annual compounding rate of 6%

S/NoStart PrincipalStart BalanceInterest Rate @ 6%End BalanceEnd Principal
1$10,000$10,000$665.31$13,065.31$12,400.00
2$12,400.00$13,065.31$849.23$16,314.53$14,800.00
3$14,800.00$16,314.53$1,044.16$19,758.71$17,200.00
4$17,200.00$19,758.71$1,250.85$23,409.54$19,600.00
5$19,600.00$23,409.54$1,469.87$27,279.41$22,000.00
6$22,000.00$27,279.41$1,702.06$31,381.48$24,400.00
7$24,400.00$31,381.48$1,948.19$35,729.68$26,800.00
8$26,800.00$35,729.68$2,209.09$40,338.76$29,200.00
9$29,200.00$40,338.76$2,485.63$45,224.40$31,600.00
10$31,600.00$45,224.40$2,778.77$50,403.17$34,000.00

Relevant Variables

There are four main parts to any average investment in the financial markets.

Investing Calculator - Comparewise

Return rate

This is the most crucial factor for many investors. It’s easy to ignore this percentage because it doesn’t seem like much, but it’s the hard number that’s used to compare how good different investment opportunities are.

Starting Amount

This is the initial outlay, which may also be referred to as the “principal.” “Investment-grade” capital is a large amount of money saved for a down payment on a house, an inheritance, or the cost of buying a lot of gold.

End Amount

Your goal is to reach it when the investment matures.

investment duration. The longer an investment is expected to last, the greater the risk becomes due to the unpredictability of the future. Most of the time, when you invest more money over a longer period of time, you get more money back.

Additional Contribution

It is possible to invest without receiving periodic payments, sometimes known as annuity payments. Nonetheless, suppose you add to an investment at any point throughout its lifetime.

If that happens, the total value of your investment will go up because more interest and principal have been added to it.

Investment Calculator Canada - Comparewise

How Does Investing Help You?

By investing, you may put your spare cash to work for you. Putting money into stocks and bonds can be beneficial to both the company or government you’re investing in and the investor, who will receive interest payments on their principal plus a dividend.

 Compound interest over time can grow even a small deposit into a substantial nest egg. Of course, assume you don’t make the common investing blunders.

To become an investor, you need not conduct your research on companies and engage in buying and selling stocks on your own.

 As a matter of fact, studies have shown that this strategy rarely yields positive results over time.

When it comes to investing, the average person probably doesn’t need anything more complicated than a few low-fee index funds because they don’t have the time to monitor their portfolio.

Potential Gains and Losses

If you’re getting close to retirement age, you need to be more careful about stock market drops. Is there anything a speculator can do? The conventional wisdom is that retirees should lower their risk exposure by moving part of their investments out of stocks and into bonds.

There is typically some sort of compromise between safety and profit in investing. The investments with the highest profit potential also carry the highest risk.

Sometimes, even the most secure assets can’t keep up with inflation. Your age and level of risk comfort will determine the asset allocation mix that’s best for you.

Starting Balance

Let’s assume you have some cash at hand, maybe from savings or a recent windfall like a bonus or inheritance. You might use that money as the foundation of your investment.

 When you invest, you’ll want to use your primary (or opening balance) as your initial investment.

Having a minimum deposit of $10,000 is typical for online brokerage accounts that permit investing in mutual funds and index funds. Individual stocks and bonds can be purchased for much less.

Index Fund Return Calculator - Comparewise

Contributions

Having started with that sum, you’ll likely wish to contribute more to your investment over time. Extreme savers may need to make significant sacrifices to make a larger potential contribution.

Savings goals are flexible, so casual savers may opt for a smaller annual total. Your contribution is the amount of money you put into your investments on a regular basis.

The frequency of your contributions is also up to you. We’ve reached the exciting part.

Some people’s savings and investment contributions are deducted mechanically from their paychecks.

That may imply deposits every month or every two weeks, depending on how often you get paid (if you get paid every other week). However, most of us can only afford to make annual investments.

Return on Investment

The moment you commit to a starting balance, commitment amount, and contribution frequency, you are entrusting your money to the market. So, how do you estimate your return on investment? In any case,

SmartAsset’s investment calculator uses a default rate of return of 4%. If you’ve read that the stock market often gives much bigger returns over decades, this may seem like a small amount.

Allow us to elaborate. Rates of return for our calculators are based on the assumption that you will have a diversified portfolio of equities, fixed-income securities, and liquid funds.

Those investments fluctuate in value and return over time at different rates. To avoid under-saving, it is best to adopt a low rate of return estimate.

If you want to feel certain about your financial future, you may bank on a 10% rate of return. However, this is probably not a true reflection of your investing ability.

My friend, if you do that, you will end up not saving nearly enough. Undersaving can put you in a precarious financial position in the future.

It takes years to compile

Last but not least, think about how long you can wait to see returns on your investment. You should think about how many years will pass before you plan to start withdrawing money from your assets.

The longer your investment horizon, the more time your money has to grow through compound interest. To avoid having to start investing late in life, it’s best to have a head start in your profession.

Investing isn’t just for retirees and the wealthy, despite popular belief. Keep in mind that the typical starting investment in a mutual fund is only $5,000.

Questrade Get 50 970 X 250 Comparewise - Comparewise

Types of Investment Options

If you can reduce an investment opportunity to the above criteria, our Investment Calculator can help. Here are some typical financial commitments: There are a plethora of other investment opportunities available.

Certificates of Deposit (CDs)

Certificates of deposit (CDs), offered by most banks, are a straightforward investment option that may be used with the calculator.

You can invest safely with a CD. The Federal Deposit Insurance Corporation (FDIC) is a United States federal body that insures deposits at banks.

Bonds

Bond investments carry a certain degree of risk. More expensive premiums are the norm when dealing with high-stakes situations.

For instance, there is always the chance that purchasing the bonds or debt of corporations rated as high risk by the organizations that evaluate degrees of risk in corporate debt (Moody’s, Fitch, Standard & Poor’s) will result in losses on investments due to the company going out of business.

Stocks

Equity investments, sometimes known as “stocks,” are common. Even though they don’t pay a fixed rate of return, they are still an important class of asset for investors of all sizes.

A stock represents a fractional ownership interest in a corporation. It allows a person to own a piece of a public firm and receive a cut of the profits for as long as they keep their shares (and the company pays dividends).

Properties in the Real Estate Market

Real estate is another common choice for an investment portfolio. Purchasing single-family homes or multi-unit buildings is a standard method of diversifying financial portfolios into real estate.

As a result, the owner can either sell them (a practice known as “flipping”) or rent them out until a more favorable time to sell arises.

If you need more information on rental properties or want to do some calculations involving rental properties, please check out our handy Rental Property Calculator.

Commodities

Commodities are the final category. Gold and silver are examples of such commodities, but oil and natural gas are essential.

Investment in gold is complex since its value is not based on its industrial applications but on the fact that it is finite. During economic instability, gold is a popular asset for investors to have on hand.

You might also like…

Discover Investment Opportunities

Make your money do more.

12 Results

Advertiser disclosure

Offers shown here are from third-party advertisers. We are not an agent, representative, or broker of any advertiser, and we don’t endorse or recommend any particular offer. Information is provided by the advertiser and is shown without any representation or warranty from us as to its accuracy or applicability. Each offer is subject to the advertiser’s review, approval, and terms. We receive compensation from companies whose offers are shown here, and that may impact how and where offers appear (and in what order). We don’t include all products or offers out there, but we hope what you see will give you some great options.

Young investors can trade stocks and ETFs, all for free.
Min Investment
$0
Target Return
Varied
Retire up to 30% wealthier with Questwealth Portfolio.
Min Investment
$1
Target Return
Varied
Get $20 CAD of BTC with promo code: COMPAREWISE
Min Investment
$100
Target Return
4-7%
Buy and sell gold, silver & platinum online at the best price.
Min Investment
$1
Target Return
Varied
Get up to $150 cash bonus: BONUS150
Min Investment
$0
Target Return
Varied
Flexibility with a great return.
Min Investment
$100
Target Return
5.20%
Get a $50 bonus when you sign up and deposit $250.
Min Investment
$50
Target Return
Varied
Buying and securing gold has never beeng more simple and affordable.
Min Investment
$1
Target Return
Varied
High return on a shorter term.
Min Investment
$500
Target Return
4.25%
Get a $100 welcome bonus, when you make your top-up*
Min Investment
$10
Target Return
Varied
A new passive income asset class, peer-to-peer lending.
Min Investment
$1
Target Return
Varied
Sign Up And Access 65+ Cryptocurrencies Instantly
Min Investment
$10
Target Return
Varied

comparewise

June 17, 2023
Fact Checked

Browse calculators by type

Check out business loan calculators on Comparewise...

Check out car loan calculators on Comparewise to s...

Check out date and time calculators on Comparewise...

Check out health calculators on Comparewise to see...

It's never been easier to calculate your monthly p...

Check out our investment calculators to see how mu...

Check out mathematics calculators on Comparewise t...

Check out mortgage calculators to see what you can...

Our personal finance calculators help you compare ...

Check out our personal loan calculators to see wha...

Check out retirement calculators on Comparewise to...

Check out student calculators to check your GPA an...

Check out tax calculators to see different income ...

FAQs about our Investment Calculator

How To Calculate Return On Investment

Return on investment (ROI) is a rough estimate of the profitability of an investment. ROI is determined by subtracting the initial cost of the investment from the ultimate value, dividing the result by the cost of the investment, and then multiplying it by 100.

ROI has numerous applications. It can be used to assess the profitability of stock shares, decide whether to buy a firm, or assess the performance of a real estate deal. One downside of ROI is that it does not take into account the length of time an investment is held.

How To Calculate Rate Of Return On Investment

The rate of return is computed by subtracting the investment’s starting value from its current value and then dividing the result by the initial value. To report it as a percentage, multiply the value by 100.

[(Current Value-Initial Value)/(Current Value)] = Rate of Return % x 100

An Example of a Rate of Return

For example, if the price of a share was initially $200 and later rose to its present value of $260, the rate of return would be 30%.

[($260 – $200) / $200] x 100 = 30%

If the asset has lost value, the rate of return might be negative. In the preceding example, if the share price fell to $80, the rate of return would be -30%.

Important: A basic rate of return can be determined for any holding period, such as one day, three days, one month, four months, one year, and so on. It is not always an annualized return.

How Do You Calculate Return On Invested Capital

The return on invested capital (ROIC) assessment determines how successfully a corporation distributes its resources to profitable projects or investments. In another sense, ROIC is the amount of money a firm makes that is more than the average cost of its debt and equity capital.

Divide net operating profit after tax (NOPAT) by invested capital to get the return on invested capital (ROIC).

The return on invested capital can be used to determine the value of other companies. If a company’s ROIC surpasses its weighted average cost of capital, it is said to be creating value (WACC).

You may also like:

If you own a business, it’s important to know what it's worth through a business valuat...
Are you planning to buy a boat? If yes, you should go for the best option to finance it...
This article will walk you through the process of calculating Yukon sales tax and cover...
This article will explain in full how to use the Saskatchewan sales tax calculator and ...
A sale tax is an additional charge for the products or services you're selling that goe...
Car loan?
Personal Loan?

Top deals await you just a short
application away!