Tools
Investing Duration Calculator
This calculator helps you work out how long you need to invest in order to achieve your investing goals.
How long should I invest for?
How to use Pearler's Investing Duration Calculator
You've established your investment goal. You've also figured out how much you want to invest. Now, how long should you continue investing to reach your target? Pearler's Investing Duration Calculator helps you solve exactly that.
It's also a useful tool if you're aspiring toward Financial Independence, Retire Early (FIRE) because it can assist you with working out the time it'll take to hit your FIRE goals.
Step-by-step guide to using Pearler's Investing Duration Calculator
1. Your first step is to plug in your starting investment amount, your investment goal and how much you expect to receive in annual returns
2. Below, key in the amount you'll regularly invest and how often
3. Your results will appear instantly
What to expect from your results
There are two important pieces of information in your results: the time it could take to reach your financial goals if you invest regularly, and a column chart.
The chart gives you an idea of how your investment could grow over the coming years and months to make your target. It's based on your initial investment amount and the amount you invest regularly, as well as how often you invest. Depending on the projected duration of your investment period, you'll see the column chart split by months or years.
If you hover over each column, you can view a breakdown of key financial information. This includes your deposit, the total amount of regular investments for the month or year, how much interest you could earn, and your total savings for the month or year.
Below the chart, you can use the legend to see a visual breakdown of the same information. This legend gives you the complete amounts over the course of your investment journey, too, like your total regular investments and total investment return.
Remember, your results aren't necessarily an accurate prediction of your investment duration. Instead, the calculator provides you with the effective duration it could take to achieve your goals. It also makes certain assumptions - like the fact that you'll receive a fixed rate of interest - and expects that you're a consistent investor.
If you're facing a financial decision, chat with a licensed financial adviser for guidance.
Investing Duration Calculator - FAQ
What is an investing duration calculator?
What are the benefits of an investing duration calculator?
How does this calculator help me with my long-term investing strategy?
How is an investing duration calculator different from an investing frequency calculator?
Can an investing duration calculator help with my Financial Independence Retire Early plans?
Disclaimer
The information provided in this calculator is only a model to show you how long you need to invest for to achieve your goal, based on several factors. It is not a prediction and relies on assumptions, such as interest rates, that may vary and change the actual outcome.
The results shown are only estimates and are not intended to be relied on when making a financial decision. Consider whether to get advice from a licenced financial adviser before making any financial decision.
We encourage you read more about the assumptions and limitations of this calculator by clicking here