See exactly how compound interest grows your money over time. Start early, stay consistent.
Rates verified: June 2026
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The Singapore STI index has returned an average of around 6-8% per annum historically. CPF OA earns 2.5%, CPF SA earns 4%, and global indices like the S&P 500 have averaged around 10% per annum over long periods.
Compound interest means you earn returns on your previous returns, not just your original investment. Over long periods, this snowball effect becomes very powerful — this is why starting early matters so much.
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The results are estimates based on published rates and the details you enter. They are intended for planning and general reference. For decisions that matter, confirm the figures with the official source or a qualified professional.
⚠️ Financial Disclaimer: Calculations on this site are for informational purposes only and do not constitute financial advice. Results are estimates based on published rates and may not reflect your individual circumstances. Always verify with official sources and consult a qualified financial advisor before making financial decisions.
This calculator projects investment growth using compound interest, taking into account initial lump sum investment, regular monthly contributions, expected annual return rate, and investment horizon. Results show projected value at the end of the period and total contributions versus total returns. These are projections based on constant assumed returns - actual investment returns vary year to year.
Different asset classes have historically delivered different average annual returns. Singapore STI has delivered approximately 4-6% per annum over 20-year periods including dividends. Global index funds tracking the S&P 500 have delivered approximately 7-10% per annum historically. CPF SA earns a guaranteed 4% per annum. These are historical averages - future returns are not guaranteed.
Investment projections assume constant returns and do not account for market volatility, taxes on investment gains, platform fees, or inflation. Actual investment performance will differ from projections. Past performance does not guarantee future results. This tool is for educational planning purposes - consult a licensed financial advisor for personalised investment advice.