You can use this **investment calculator** for calculating specific parameter of your investment plan. Different calculators on this page represent each of your desired parameters that you'd like to find. For instance, if you're interested in calculating return rate required for reaching your investment goals, you can use that particular calculator at the end of the page.

What Is Investment?

An investment, with regards to this **investment calculator**, refers to using money for making more money. The calculator here can prove to be helpful in determining different variables related to investments with fixed return rate.

What Are The Variables Involved?

When it comes to conventional financial investments, four major elements combine to make up an investment. Let's take a look at them.

**.** Return Rate - This is the major variable for most of the investors. Apparently it looks like just a simple percentage, however, it's a hard, cold number used for comparing how attractive different types of investments can prove to be. You can calculate Return Rate with your **investment calculator** here.

**.** Starting Amount - Also referred to as principal amount, starting amount refers to the amount that is apparent at inception of investment. As far as practical terms of investment are concerned, it's a large amount that you save for an inheritance, a home, or purchase price for a given gold quantity.

**.** End Amount - It's the desired amount that you want to have when your investment's life ends.

**.** Additional Contribution – Often considered as the annuity payment, it is possible to do investment without additional contributions. However, these contributions towards principal during life time of any investment can lead to increased amounts of accrued return as well as greater end amount.

**.** Investment Length - It's the length of time that determines an investment's life. Longer investments often tend to be riskier because of their unforeseen future. However, when more periods are involved in any investment, it leads to greater compounding of the return and greater end rewards.

CDs

A CD can be regarded as a simple investment type for which you can use this calculator. Most of the banks offer certificates of deposit. There is low risk involved in this type of investment. With most banks being insured by FDIC in the US, CDs also have the same insurance cover for a particular amount. CDs pay fixed rate of interest for specified time period and the return rate for these investments can be determined easily so does the investment length.

Bonds

Bonds that are bought from companies rated highly as low-risk opportunities tend to be a lot safer than those bought from high-risk companies. However, these low-risk bonds tend to offer lower interest rate. You can buy bonds both as short term investment and long term investment. Short term investors often want to make a purchase when the prices are low and they sell these bonds when prices go up instead of holding these bonds to their maturity. There is a drop in bond prices when interest rates seem to go up, and the prices rise when the rates of interest go down. And, within the bond market, the differences and demand and supply may lead to trading opportunities for short term.

Stocks

Stocks or equity are also considered amongst popular investment types. While these investments aren’t the fixed-interest types, they can be regarded as most important investments for private as well as institutional investors. Stocks usually refer to the shares in any company. They entitle people to partial ownership in public companies and to share in their profits. Shareholders get funds in dividends during a period in which they hold those shares. Most of the stock trading takes place on exchanges, and a significant number of investors buy stocks with an intention of buying at low price so that they can sell them at higher price.

Real Estate

Investing in real estate is also a popular option. And, within this realm, a popular option is buying apartments or houses. Once an investment is made, it's the decision of the owner whether he wants to sell the property, often known as flipping, or they want to rent it out at the moment with an aim to sell at some time in future at a higher price.

Real estate investments can also involve buying a piece of land whose value can be increased by making improvements to it. However, if you're looking for a more passive type of investment in real estate, you can think about REITs. These are trusts or funds which own or finance real estate that produce income.

Commodities

Finally, there are commodities. It could be anything from useful commodities such as gas and oil to precious metals such as gold, silver, etc. Investing in gold can be a bit complex because industrial usage doesn't determine its price, rather it is valuable for being one of the finite resources. Investors usually hold gold, particularly, during the times when there is financial insecurity. On the contrary, investments in silver are usually characterized by the commodity's demand in automobile industry and photovoltaics among different practical uses other than these two.

How This Investment Calculator Works?

This **investment calculator** can help you determine five different investment variables and for each of these variables there is a different calculator that requires different input.

First there is end amount calculator. This **investment calculator** requires you to provide starting principal, number of years for which you want to invest the amount, percentage average return and the contribution amount. Besides, you have to specify whether you want to find out the shape of your investment at the end of each month or year. Hit the calculate button and the calculator will show you the end balance after the given period, total contributions and total interest accrued along with a tabular representation of your investment during the length of investment.

The next is the investment length calculator. The average return, contribution and investment for each month or year work the same as above. Besides, you have to specify the starting principal and the target amount. The result shows you the end balance, investment length, total contributions and total interest.

Next on the list is contribution amount calculator. You enter target amount, number of years for the investment, and average return rate. The **investment calculator** gives you the end balance, contribution amount, total principal and total interest.

Then there is **investment calculator** which you can use for calculating your starting principal. It requires you to enter the target amount, investment length, average return, and contribution amount. The result shows you the starting principal, total principal and total interest amounts.
Finally, you can calculate the return rate. The calculator requires you to input your target, investment length, starting principal and contribution amount. As a result, you get to know the average return, total principal and total interest.

So, this investment calculator here is quite useful with the ability to calculate all the major variables involved in **investment calculator**. You can use it effectively for calculating any of the variables that you need to find out for your investments.