Retirement Growth Calculator
Project how a retirement or investment account grows over time with compound returns and regular monthly contributions. Useful for comparing a long-term investment portfolio against tying up the same capital in NYC real estate, or for planning how a down payment fund grows before you buy.
See all our calculators for the rest of the NYC buying, selling, and investing picture.
Glossary
Monthly compounding on your starting balance, plus monthly compounding on a stream of regular contributions — the standard future value of a lump sum plus an annuity formula used by most retirement calculators.
This is entirely up to your assumptions and risk tolerance — there’s no single correct number. A diversified stock portfolio has historically averaged roughly 7% to 10% annually before inflation over long periods, but any individual period can vary widely, including negative years.
No. This is a nominal (pre-inflation, pre-tax) projection. If you want to think in today’s purchasing power, use a lower “real” return rate (roughly your expected return minus expected inflation) instead of a nominal one.
Capital you put into a down payment is capital that isn’t compounding in the market. This calculator lets you estimate what that same money could have grown to if invested instead — a useful sanity check alongside our Cap Rate and Rental Property calculators when deciding whether to buy.