Kalkulator Investasi & Bunga Berbunga
Simulasikan pertumbuhan portofolio investasi Anda dengan kekuatan compound interest dan tabungan rutin.
Investment Inputs
Adjust principal, recurring deposits, and expected return. Annual contributions credited beginning-of-period.
Rincian Pertumbuhan Investasi per Tahun
Detailed compounding trajectory over 20 years.
| Tahun | Saldo Awal | Setoran | Keuntungan | Saldo Akhir |
|---|---|---|---|---|
| Year 1 | $10,000.00 | +$6,000.00 | +$1,056.94 | $17,056.94 |
| Year 2 | $17,056.94 | +$6,000.00 | +$1,621.50 | $24,678.44 |
| Year 3 | $24,678.44 | +$6,000.00 | +$2,231.22 | $32,909.66 |
| Year 4 | $32,909.66 | +$6,000.00 | +$2,889.72 | $41,799.38 |
| Year 5 | $41,799.38 | +$6,000.00 | +$3,600.89 | $51,400.27 |
| Year 6 | $51,400.27 | +$6,000.00 | +$4,368.96 | $61,769.23 |
| Year 7 | $61,769.23 | +$6,000.00 | +$5,198.48 | $72,967.72 |
| Year 8 | $72,967.72 | +$6,000.00 | +$6,094.36 | $85,062.08 |
| Year 9 | $85,062.08 | +$6,000.00 | +$7,061.91 | $98,123.99 |
| Year 10 | $98,123.99 | +$6,000.00 | +$8,106.86 | $1,12,230.85 |
| Year 11 | $1,12,230.85 | +$6,000.00 | +$9,235.41 | $1,27,466.26 |
| Year 12 | $1,27,466.26 | +$6,000.00 | +$10,454.24 | $1,43,920.50 |
| Year 13 | $1,43,920.50 | +$6,000.00 | +$11,770.58 | $1,61,691.09 |
| Year 14 | $1,61,691.09 | +$6,000.00 | +$13,192.23 | $1,80,883.32 |
| Year 15 | $1,80,883.32 | +$6,000.00 | +$14,727.61 | $2,01,610.93 |
| Year 16 | $2,01,610.93 | +$6,000.00 | +$16,385.82 | $2,23,996.74 |
| Year 17 | $2,23,996.74 | +$6,000.00 | +$18,176.68 | $2,48,173.43 |
| Year 18 | $2,48,173.43 | +$6,000.00 | +$20,110.82 | $2,74,284.24 |
| Year 19 | $2,74,284.24 | +$6,000.00 | +$22,199.68 | $3,02,483.93 |
| Year 20 | $3,02,483.93 | +$6,000.00 | +$24,455.66 | $3,32,939.58 |
Keajaiban Bunga Berbunga (Compound Interest)
Ringkasan: Bunga berbunga membuat keuntungan Anda menghasilkan keuntungan baru secara eksponensial dalam jangka panjang.
Compound interest exponential growth occurs because your returns earn additional returns over successive compounding cycles. Combining initial principal with recurring monthly contributions accelerates portfolio compounding through dollar-cost averaging.
Major Asset Class Historical Real Returns & Doubling Periods (Rule of 72)
Historical 30-year annualized performance benchmarks across core wealth-building asset classes:
| Asset Class | Historical Nominal Return | Inflation-Adjusted Real Return | Doubling Time (Rule of 72) | Risk & Volatility Tier |
|---|---|---|---|---|
| S&P 500 Broad Index (Equities) | 9.8% – 10.5% | 6.8% – 7.5% | ~7.2 Years | Moderate-High; high long-term wealth compounding |
| Global Real Estate (REITs) | 8.0% – 9.2% | 5.0% – 6.2% | ~8.5 Years | Moderate; strong dividend yield & inflation hedge |
| 10-Year US Treasury Bonds | 4.2% – 5.0% | 1.5% – 2.2% | ~15.5 Years | Low; capital preservation & portfolio stabilization |
| High-Yield Cash / Money Market | 3.5% – 4.8% | 0.5% – 1.8% | ~18.0 Years | Very Low; FDIC insured emergency liquidity |
Formula Compound Interest dengan Anuitas
Menghitung akumulasi nilai masa depan dengan kepastian matematika.