Investment Time Calculator
Calculate how long it will take for your investment to reach a target value. Determine investment time from principal, interest rate, and compounding frequency.
Step 1: Investment Details
Investment Time Formula
Years = log(Target / Principal) / (n × log(1 + r/n))
Where: r = annual rate, n = compounding periods per year
Step 2: Investment Options
Typical Investment Returns
Savings Accounts: 1-3% annually
Bonds: 3-5% annually
Stock Market: 7-10% annually
Real Estate: 8-12% annually
High Risk: 15%+ annually (with volatility)
Investment Time Results
Time to Reach Your Target
Investment Type Comparison
| Investment Type | Typical Return | Years to Double | Risk Level |
|---|
Investment Time Formula
Compound Interest Formula: A = P(1 + r/n)nt
Where:
• A = Future value of investment
• P = Principal investment amount
• r = Annual interest rate (decimal)
• n = Number of times interest is compounded per year
• t = Number of years the money is invested
To solve for time (t):
• t = log(A/P) / (n × log(1 + r/n))
Example Calculation
Example: $10,000 at 7% interest compounded quarterly to reach $20,000
Principal (P): $10,000
Target (A): $20,000
Rate (r): 7% = 0.07
Compounding (n): 4 times per year
Calculation:
t = log(20000/10000) / (4 × log(1 + 0.07/4))
t = log(2) / (4 × log(1.0175))
t = 0.6931 / (4 × 0.01735)
t = 0.6931 / 0.0694 = 9.98 years ≈ 10 years
Rule of 72 approximation:
72 / 7 = 10.3 years (close approximation)
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