GROWTH & INVESTING
Required Return to Reach a Goal Calculator
Solve for the annual return needed under a contribution plan.
Your result
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How to use this calculator
Adjust the inputs to your own scenario, then review the result alongside the assumptions below. The $ symbol is a currency label; the tool does not convert exchange rates.
Worked example
With $10,000 initially, no contributions, and a $20,000 target in 10 years, the required annual return is about 7.18%.
The formula
Numerically solve the monthly contribution future-value equation for effective annual return.
What the result means
Compare the output with the stated assumptions. Changing an input changes the arithmetic; it does not establish how a real trade or investment will perform.
Assumptions and limitations
End-of-month deposits and constant returns. Solver range −99.99% to +1,000% annually. A mathematically required return is not evidence it is achievable.
Common questions
What does this calculation include?
End-of-month deposits and constant returns. Solver range −99.99% to +1,000% annually. A mathematically required return is not evidence it is achievable.
Are the example inputs recommendations?
No. The defaults are worked examples. Enter values appropriate to your own calculation; outputs are estimates rather than forecasts.
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Open calculator →Educational calculations, not a forecast or personalized investment advice. Your inputs are used locally for the calculation and are not submitted by this tool.