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Calculators


Got a question that involves number crunching? Use the calculators on this page to find the mathematical answer to the most commonly asked number-crunching questions, and see your inputs displayed next to the graph, chart, and/or table output in a side-by-side display.

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Reaching Your Investment Goal Calculator
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At a given rate of return, how long will it take for your portfolio to reach a specific amount? Saving more can help, but just how much of a difference would additional savings make?




Additional amounts invested are assumed to be made at the end of each month (for monthly contributions) or year (for annual contributions).

Earnings are compounded monthly.

This calculator does not take into account the effect of federal or state taxes, or any investment fees or expenses.

This is a hypothetical example, intended for illustration purposes only; it does not reflect the performance of any specific investment or portfolio.

Reaching Your Investment Goal Calculator Charts

Based on the above information, your portfolio would be expected to reach $100,000 in approximately 11 years if you make additional monthly contributions of $500 and you achieve your anticipated rate of return.

If your portfolio grows at exactly 6% per year, making additional monthly contributions of $500 will reduce the amount of time it takes to reach your accumulation goal by 40 years.



    Assumptions

  • Additional amounts invested are assumed to be made at the end of each month (for monthly contributions) or year (for annual contributions).
  • Earnings are compounded monthly.
  • This calculator does not take into account the effect of federal or state taxes, or any investment fees or expenses.
  • This calculator assumes that no withdrawals are made from the investment portfolio.
Note: This is a hypothetical example and is not intended to reflect the performance of a specific investment, nor is it an estimate or guarantee of any future value. Investment fees and expenses have not been deducted. If they had been, the results would have been lower. When making an investment decision, investors should consider their personal investment horizons and income tax brackets, both current and anticipated. It is also important to note that this illustration assumes a fixed annual rate of return; the rate of return on your actual investment portfolio will be different, and will vary over time, according to actual market performance. This is particularly true for long-term investments. It is important to note that investments offering the potential for higher rates of return also involve a higher degree of risk to principal.
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 *Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. CFS and its representatives do not provide tax advice. For specific tax advice please consult a qualified tax professional.  


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