Financial Tools · Investment Calculator
See what your money could become
Enter a starting amount, a monthly contribution, a time horizon and an expected return. We'll project the final balance, and show you how sensitive that number actually is to the return you assumed.
Why it matters
Small, consistent amounts compound into large numbers
A 2025 nationwide sentiment survey found the share of working adults here investing at least 10% of their take-home pay fell from 59% to 47% in a single year. Rising costs are the obvious reason, but the effect compounds too, every year that money sits uninvested is a year of growth that doesn't happen.
This calculator won't tell you what to invest in. What it does is make the maths concrete: exactly how a monthly amount, held for a number of years, turns into a final number, and how much that number actually moves when the assumed return changes.
Your investment inputs
Approximate figures are fine.
Compounded monthly. Investment returns are never guaranteed, the rate above is an assumption you control, not a prediction or a recommendation.
Common questions
Before you start
What does an investment calculator actually show me?
How a starting amount plus regular contributions could grow over time at a given return, through the effect of compounding, where your returns start earning their own returns. It's a projection based on your assumptions, not a prediction.
What return rate should I use?
Pick a rate that matches what you're actually modelling, cash-like instruments sit at the low end, a diversified portfolio historically sits higher, with more short-term movement along the way. Try a few rates and see how sensitive the outcome is, that's exactly why the scenario comparison below exists.
Are the results guaranteed?
No. This is an estimate based on the inputs you choose. Actual returns vary with markets, fees and time, and can be negative in any given year. Nothing here is a promise or a recommendation.
Does this account for inflation or fees?
Not automatically. If you want an inflation-adjusted figure, use a lower return rate to reflect real (after-inflation) growth. The same applies to fees, reduce your assumed rate to reflect them.
Can I use this for a goal other than retirement?
Yes, a house deposit, a child's education, or any lump-sum goal with a timeline works the same way. Just set the years and target contribution to match your goal.
Please note
What this projection is, and isn't
This calculator is general education only. It projects an outcome from the assumptions you enter, it does not predict, promise or guarantee any investment return, and it is not a recommendation to buy, sell or hold any specific product or fund. Actual returns will vary and may be negative in any given year.
Fatin Syarafana is a representative of Prudential Assurance Company Singapore (Pte) Ltd; any recommendations she makes if you follow up are drawn from Prudential's range of products, and you should verify her representative status at prudential.com.sg/fc-info before proceeding. This page has not been reviewed by the Monetary Authority of Singapore.
Next step
A projection is a starting point for a real conversation
Where to actually put this money depends on your goals, timeline and risk comfort. Let's go through it together.
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