How is compound future value calculated?

Future value = initial capital × (1 + monthly return)^months, where months = years × 12. Returns are compounded, not added linearly.

How long does it take to double my money?

Months to double = ln(2) ÷ ln(1 + monthly return). At 1% per month this is about 69.7 months, close to the rule of 72 estimate of 72 months.

No. Real returns vary and can be negative. This tool is a mathematical model for planning and comparison, not a forecast or promise of returns.

Estimate capital growth, time to target and the return required with compound math.

⚠Important: this is a mathematical compound-growth model, not a promise or forecast of returns. Real markets fluctuate and can lose money.

Initial capital Monthly return (%) Target amount Years

Future value

11,268.25

12 months

Months to target

69.7

Required monthly return

5.946%

CAGR (annualized)

12.68%

Monthly return (%)

Future value = capital × (1 + r)^months; months to target = ln(target ÷ capital) ÷ ln(1 + r)

$10,000 at 1% per month for one year → $11,268.25; doubling the capital takes about 69.7 months.

Calculation results are for educational purposes only and do not constitute investment advice. Always do your own research before trading.