完全無料 • 複利運用 • CSVエクスポート • インフレ調整対応
資産運用＆複利シミュレーター
初期投資額、毎月の積立額、想定リターンから将来の資産推移と複利運用益をシミュレーションします。
📈
Investment Inputs
Adjust principal, recurring deposits, and expected return. Annual contributions credited beginning-of-period.
$
$0$100,000$200,000
$
$0$2,500/mo$5,000/mo
%
1%8% (S&P avg)20%
1 Yr25 Yrs50 Yrs
SPONSOREDADVERTISEMENT
将来の想定資産総額20 Years Growth
$3,32,939.58
投資元本合計（自己資金）$1,30,000.00$10,000 initial + $1,20,000 recurring
複利運用益合計+$2,02,939.5861.0% of total balance is pure profit
Principal (39.0%)Interest (61.0%)
SPONSOREDADVERTISEMENT
年次別資産推移テーブル
Detailed compounding trajectory over 20 years.
| 年数 | 期首資産 | 年間積立額 | 年間運用益 | 期末資産 |
|---|---|---|---|---|
| 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 |
SPONSOREDADVERTISEMENT
Compound Interest & Wealth Growth Science Guide
複利運用の威力と長期投資の基本
要約: 複利とは、得られた運用益を再び元本に組み入れて投資することで、雪だるま式に資産が増加する仕組みです。
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 |
積立複利運用の計算式
元本成長分と毎月積立分の将来価値を数学的に算出します。
Frequently Asked Questions
単利は元本にのみ利息がつきますが、複利は利息が元本に組み込まれてさらに増えます。