Disclaimer

The calculations and projections provided by WealthSim are hypothetical examples based on the inputs you provide. They do not represent guaranteed returns or actual investment performance.

Illustrative assumptions are not guarantees. The values are WealthSim editorial assumptions, not historical returns, forecasts, expected returns, recommendations, or promises.

Investment returns can vary significantly due to market volatility, economic conditions, geopolitical events, and countless other factors. Your actual returns may be higher or lower than any projections shown.

Our compound interest calculator uses simplified mathematical models based on the inputs you provide. The calculations assume:

• Consistent monthly contributions at the beginning of each month
• Constant interest rates compounded monthly (actual returns vary year to year)
• No withdrawals during the investment period
• No market volatility (smooth, consistent growth)

The calculator does NOT account for:

• Investment fees, commissions, or management expenses
• Taxes on capital gains, dividends, or interest income
• Inflation (unless explicitly toggled on)
• Transaction costs or spread
• Currency fluctuations (for international investments)
• Changes in contribution amounts over time

Illustrative market-category values are maintained by WealthSim and remain static until editorially revised. They do not represent third-party market data.

Inflation data is sourced from FRED (Federal Reserve Economic Data) using the Consumer Price Index for All Urban Consumers (CPIAUCSL) series. Actual inflation rates vary by geography, time period, and individual spending patterns.

Always verify important financial data with primary sources before making investment decisions.

All investments carry risk. You could lose some or all of your invested capital. Consider these risks before investing:

• Market risk - Investments can decrease in value due to market conditions
• Volatility - Short-term price fluctuations can be significant
• Inflation risk - Returns may not keep pace with rising costs
• Liquidity risk - You may not be able to sell investments quickly at fair prices
• Interest rate risk - Changes in interest rates can affect investment values
• Currency risk - For international investments, exchange rates can impact returns

Never invest money you cannot afford to lose. Diversification and a long-term perspective can help manage but not eliminate investment risk.

By using WealthSim, you acknowledge and agree that:

• You are solely responsible for your investment decisions
• You will verify all calculations and data independently
• You understand the limitations and assumptions of our calculator
• You will seek professional financial advice before making significant investment decisions
• You will not hold WealthSim, its creators, or contributors liable for any financial losses

WealthSim is provided "as is" without any warranties, express or implied. We make no representations about the accuracy, reliability, or suitability of the information provided.