Investment Calculator
Estimate Your Returns
Use this investment calculator to estimate your potential returns over time.
Whether you're calculating compound growth or return on investment, get quick insights on how your money can grow.
What’s a Realistic Investment Return?
Use these investment products as a benchmark
Disclaimer
The Smart Way to Reduce Risk: Diversification
Focusing only on high returns can leave you exposed to unnecessary risks. Diversification—spreading your investments across different assets—helps smooth out volatility and protect your portfolio from downturns.
Instead of chasing a "perfect" return, focus on risk-adjusted returns that align with your goals. When using an investment calculator, try different return scenarios—conservative, moderate, and aggressive—to plan realistically and build a resilient investment strategy.
Stocks for long-term capital appreciation
Bonds for stability and predictable income
Real estate & REITs for passive income and inflation protection
ETFs for diversified market exposure
Cash management accounts or fixed deposits for liquidity and short-term security
Detailed Overview of Investment Types
When investing, you have a wide range of options, each with different risk levels, return potential, and liquidity. Below are some of the most common investment types, each suited to different financial goals and risk appetites.
| Investment Option | Features | Returns | Liquidity | Risk Level |
|---|---|---|---|---|
| Fixed Deposits | Time deposits with fixed interest rates for specific tenures, typically offered by banks | 0.80% - 1.40% annually depending on tenure and bank | Low - funds locked for the agreed tenure; early withdrawal may incur penalties | Low - bank-backed with guaranteed returns |
| Singapore Savings Bonds (SSBs) | Government-backed, 10-year investment, can exit anytime without penalty | 10-year average return 1.85% | High - can withdraw anytime | Low - virtually risk-free |
| Treasury Bills (T-bills) | Short-term government security, sold at discount, matures in 6-12 months | 6-month T-bill 1.39% and 1-year T-bill 1.35% | Moderate - fixed duration till maturity | Low - backed by the government |
| Robo advisors/ wealth management platform | Automated, diversified portfolio management with lower fees | StashAway General Investing 2024 annual return from 6.5% to 18.6% | High - can withdraw anytime | Moderate - market fluctuations |
| Cash Management Accounts | Invests in money market funds, short-term bonds; higher returns than savings | StashAway Simple Cash projected rates from 2.2% p.a. to 3.7% p.a. | High - no lock-in period | Low - stable but some investment risk |
| Real Estate Investment Trusts (REITs) | Invest in property portfolios, provides regular dividends, high liquidity | 3% - 10% dividend yield depending on the REITs | High - traded on SGX like stocks | Moderate - market & interest rate risks |
| Exchange-Traded Funds (ETFs) | Tracks indices or sectors, low fees, diversified exposure | Varies by ETF | High - can buy/sell like stocks | Moderate - market-dependent |
| Stocks | Direct ownership of companies, potential for capital appreciation & dividends | Varies widely based on stock selection and market conditions | Moderate to High - depends on market volatility | High - dependent on individual stock selection |
| Commodities | Invest in physical assets like gold, silver, and crude oil, hedge against inflation | Gold 10-year annual return 262% and category annual return 11.1% | Moderate - depends on market demand and commodity type | High - influenced by global supply, demand, and economic cycles |
* data as of 27th Nov 2025
Our investment solutions
General Investing
powered by StashAway
Precise control with 12 risk levels
Designed to keep risk constant
Built for long-term wealth creation
Performance:
1.7-8.8% p.a.
ETF Explorer
Select from over 80+ asset classes
Customisable
Free buy orders with SRS funds until 31 January 2026
Performance:
Customisable
Income Investing
powered by J.P. Morgan Asset Management
Aimed at capital preservation and payouts
Diversified bond exposures
Investment-grade credit quality
Performance:
6.77% p.a.
Singapore Investing
Performance:
8.8% p.a.
Simple™ Cash
Ultra-low risk
No minimum balance
Optimised for cash growth
Performance:
Returns from 1.2% to 2.7% p.a.
Frequently Asked Questions
What does an investment calculator do?
An investment calculator is a tool that estimates the future value of an investment by projecting its growth over time, based on variables like initial deposit, ongoing contributions, investment duration, and expected rate of return.
It shows potential returns, how much you need to invest to reach a goal, and illustrating the effects of compounding. With this information, you can plan your finances and investments better.
How does this investment calculator work?
The calculator uses your inputs: target amount, initial investment, deposit frequency, deposit amount, interest rate, and years of growth to calculate the how your money grows.
What interest rate should I use?
Choose a rate that reflects the type of investment you’re modelling. For example, cash accounts like StashAway Simple Cash have modest rates, while diversified portfolios or ETFs may offer higher long-term returns.
Does this investment calculator factor in compound interest?
Yes. The calculator compounds your returns automatically, showing how your investments can grow as your returns generate additional returns over time.
Are the results guaranteed?
No. The calculator provides estimates based on your inputs. Actual returns can vary due to market volatility, fees, and economic conditions.
Can I use this investment calculator for retirement planning?
Absolutely. By adjusting your contributions, time horizon, and expected returns, you can project how much you might accumulate for retirement.
How do inflation and fees affect my results?
Inflation reduces future purchasing power, and fees can lower net returns. You can adjust the return rate to reflect inflation-adjusted or fee-adjusted estimates.
Can I use this investment calculator for ETFs, stocks, or robo-investing?
Yes. Input an estimated annual return that reflects the type of investment or portfolio you’re considering.
Does compounding monthly vs annually make a big difference?
Compounding monthly instead of annually does increase your total returns, but the difference is usually modest in the short term. Over longer periods—10 years or more—monthly compounding can produce noticeably higher growth because interest is added more frequently. The higher the interest rate and the longer the time horizon, the bigger the difference becomes.
What's the difference between saving and investment?
Saving and investing both play essential roles in financial planning, but they serve different purposes.
Saving involves setting aside money in low-risk accounts, ensuring easy access when needed. It’s ideal for short-term goals like building an emergency fund, planning for a major purchase, or simply keeping money safe. However, the returns on savings accounts are generally low and may not keep up with inflation.
Investing, on the other hand, involves putting your money into assets like stocks, bonds, or real estate with the expectation of higher returns. It carries more risk but offers the potential for greater wealth accumulation over time. Investing is best suited for long-term financial goals such as retirement or funding your child’s education.
The choice between saving and investing depends on your financial goals, risk tolerance, and time horizon. A balanced approach—keeping enough savings for short-term needs while investing for long-term growth—can help you build lasting financial security.
How can structural investment grow wealth
Investing doesn’t have to start with a large sum. By consistently investing just $100 per month, you can harness the power of compound interest and potentially build significant wealth over time. The key lies in patience, consistency, and choosing the right investment strategy.
The power of compounding interest
Compounding is when your investment earns returns, and those returns generate even more returns. The longer your money stays invested, the more powerful this effect becomes. In the early years, most of the growth comes from your contributions, but over time, your earnings start multiplying exponentially.
For example, if you invest an initial $10,000 SGD with a $500 SGD monthly investment for 30 years at a 6% annual return, your $190,000 SGD total investment could grow to nearly $531,784 SGD —almost three times your contributions!
Now, let’s explore two key factors that influence growth: the rate of return and the duration of your investment.
Scenario 1: Different rates of return
Starting with an initial deposit of $10,000 and investing $500 per month, here’s how your investment could grow under different return scenarios over 30 years:
| Annual Return | Total Invested | Final Value | Total Investment Return |
|---|---|---|---|
| 3% | $190,000 SGD | $309,725 SGD | $119,725 SGD |
| 6% | $190,000 SGD | $531,784 SGD | $341,784 SGD |
| 9% | $190,000 SGD | $960,522 SGD | $760,522 SGD |
| 12% | $190,000 SGD | $1,747,595 SGD | $1,557,595 SGD |
A higher return accelerates growth, showing why many long-term investors turn to stocks and ETFs for wealth-building.
Scenario 2: Investing time frame
Time is your best friend when it comes to investing. Let’s see how extending your investment period makes a difference, assuming a 6% annual return:
| Years Invested | Total Invested | Final Value | Total Investment Return |
|---|---|---|---|
| 10 years | $70,000 SGD | $96,993 SGD | $26,993 SGD |
| 20 years | $130,000 SGD | $252,785 SGD | $122,785 SGD |
| 30 years | $190,000 SGD | $531,784 SGD | $341,784 SGD |
The longer you invest, the greater your wealth grows. Even small contributions add up when you let compound interest work over decades.