Investment Kalkulátor

Hogyan használja ezt a számológépet

1. Adja meg: Initial Investment (Ft)
2. Adja meg: Monthly Contribution (Ft)
3. Adja meg: Annual Return (%)
4. Adja meg: Years
5. Kattintson a Számít gombra
6. Olvassa el a számológép alatt megjelenő eredményt

The Power of Compound Interest

Compound interest is earning returns not just on your original investment but also on all previously accumulated gains. Albert Einstein allegedly called it the eighth wonder of the world — and the math backs that up.

3,500,000 Ft invested at 8% annual return: after 10 years = 7,556,150 Ft; after 20 years = 16,313,500 Ft; after 30 years = 35,219,450 Ft. The same money tripled in the second decade and then doubled again in the third — that acceleration is compounding at work.

Regular Contributions: The Real Multiplier

Adding regular contributions amplifies compounding dramatically. If you invest 3,500,000 Ft upfront and add 175,000 Ft/month at 8% annual return over 30 years, you contribute a total of 66,500,000 Ft but end up with 260,750,000 Ft — 194,250,000 Ft is pure investment returns.

Starting early matters more than investing large amounts later. Someone who invests 70,000 Ft/month from age 25 to 35 (10 years, 8,400,000 Ft total) and then stops, will likely outperform someone who invests 70,000 Ft/month from age 35 to 65 (30 years, 25,200,000 Ft total), thanks to the extra decade of compounding.

Expected Returns by Asset Class

Historical average annual returns (inflation-adjusted): US stocks (S&P 500): ~7%; Global stocks: ~5–6%; Bonds: ~2–3%; Real estate: ~4–5%; Cash/savings: ~0–1%.

These are long-term averages — any single year can vary wildly. Diversification across asset classes smooths volatility over time. For long investment horizons (15+ years), stocks have historically been the best-performing asset class.

Frequently Asked Questions