What is a realistic investment return rate in Singapore?

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.

How does compound interest work?

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.

Investment Calculator | ROI & Compound Interest Calculator Singapore

📈 Your Investment Details

Initial Investment (SGD) — lump sum today

Monthly Contribution (SGD) — optional, set 0 for lump sum only

Expected Annual Return (%)

Investment Period (Years)

20 years

1 yr40 yrs

Inflation Rate (%) — optional, to see real returns

📊 Your Investment Projection

Final Portfolio Value

S$332,340

Nominal (before inflation)

Inflation-Adjusted Value

S$184,086

In today's purchasing power

Total Amount Invested

S$130,000

Your actual contributions

Total Returns Earned
S$202,340
Pure compounding gains

Return on Investment (ROI)

155.6%

Total gains / total invested

Portfolio Growth Over Time

Total value Amount invested

The power of compounding: Your money grew because returns are earned on previous returns, not just your original investment. After 20 years, nearly 60% of your portfolio comes from investment gains rather than what you put in.

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Starting 5 years earlier with the same plan would significantly increase your final portfolio value. Time is the most powerful variable in investing. Even small monthly contributions add up to substantial wealth over decades.

Disclaimer: Results are estimates for reference only and assume a constant annual return rate. Actual investment returns vary and past performance does not guarantee future results. All investments carry risk. Consult a licensed financial advisor before making investment decisions.

Investment Return Calculator