🚀 Elite Compound Growth & Real Value Calculator
Advanced investment projections with live market data, Monte Carlo simulation, and tax-adjusted returns
📊 Live FRED Data
🎲 Monte Carlo Simulation
📄 Auto-Fill from Documents
💰 Tax-Adjusted Returns
📈 Real Value Analysis
📑 PDF Export
📤 Quick Start: Upload Investment Statement (Optional)
Drag & drop your investment statement or click to browse
Supports: Bank statements, brokerage accounts (PDF, CSV) • We'll auto-fill your current balance and contribution history
⚙️ Investment Parameters
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Years
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💰 Your Investment Projection
Future Value (Nominal)
$0
Before inflation
Future Value (Real)
$0
Inflation-adjusted
Total Interest Earned
$0
0.0x return
After-Tax Returns
$0
$0 in taxes
💡 Smart Insights
Time to Double
0 years
Purchasing Power Loss
0%
Effective Annual Return
0%
Total Principal Invested
$0
🎯 Compare Scenarios
CONSERVATIVE
Low Risk • 4-6% Return
$0
Bond-heavy portfolio
MODERATE
Balanced • 6-8% Return
$0
60/40 stocks/bonds
AGGRESSIVE
High Growth • 8-10% Return
$0
Stock-heavy portfolio
📈 Growth Visualization
📅 Year-by-Year Timeline
| Year | Starting Balance | Contribution | Interest Earned | Taxes Paid | Ending Balance (Nominal) | Real Value |
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📑 Export Your Results
📚 Understanding Your Results
Nominal vs. Real Value: Nominal value is the actual dollar amount without adjusting for inflation. Real value shows your purchasing power after accounting for inflation.
Tax-Adjusted Returns: Interest income is typically taxed as ordinary income at your marginal tax rate. Capital gains may be taxed at lower rates depending on the holding period.
Monte Carlo Simulation: Instead of assuming a constant return, Monte Carlo runs 1,000 scenarios with realistic market volatility to show the range of possible outcomes.
- Rule of 72: Dividing 72 by your return rate estimates years to double your money
- Compound Interest: Earning returns on your returns accelerates growth over time
- Inflation Impact: Even 2-3% annual inflation significantly erodes purchasing power over decades