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Investment Return Calculator

Gain insights into your investing style with our free stock investment calculator.
See projected returns for investments over time and identify potential long-term goals for your portfolio.

Set up your investment goals

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Potential growth of your investment
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The projected values shown are hypothetical in nature and should not be relied on to inform your investment decisions. The projected values are calculated using the selected amount of undefined, compounded undefinedly over the selected period of undefined years by the nominal annualised S&P 500 return of 9.6% (1982-2022). The following items have not been taken to account: (i) distributions such as dividends, (ii) brokerage and FX fees, and (iii) any applicable taxes. These calculations may be affected by inaccurate assumptions or risks and uncertainties and will differ materially from results ultimately achieved. Past performance is not a reliable indicator of future performance, and should not be relied upon solely to inform investment decisions. Other factors that can cause significant variation may include price volatility, risk, tax and other factors. Investments in stocks can go up and down. This does not constitute financial product advice and is not a recommendation to invest in stocks. Before making an investment decision, we recommend you do your own research and consider speaking with a licensed financial adviser.

How our brokerage fees compare

Easily compare and identify how little brokerage you will pay when trading with Stake compared to other brokers.



CMC Markets




Brokerage fees of CommSec, CMC Markets and Selfwealth stated as at 3 April 2024. For up to date pricing and other details, visit their websites. Other fees may apply, such as FX. See Stake’s full pricing here.

How to use the investment return calculator?

Using the investment return calculator is easy. All you have to do is input your investing goals and observe the potential gains over time.

  1. How much do you want to start with? Enter the amount of money you’re planning to initially invest.
  2. How frequently will you be contributing? Decide how often you will be making a contribution to your investment.
  3. How much will you be contributing each time? The amount you’ll be contributing during each investment period.
  4. What is your investment time horizon? The total length of time you’re looking to make contributions to reach your investment goal.

How does the investment return calculator work?

Our investment return calculator shows the projected growth path of an investment over a set period. It does this by compounding the repeat contribution value annually by the nominal annualised S&P500 return rate of 10.26% (1957-2023). 

Past performance is not a reliable indicator of future performance and the investment return calculator does not factor in expenditures and optional fees such as Instant Funding or Card Funding.

It's easy to get started

  1. Sign up in minutes, all you need is some I.D. 
  2. Activate Stake Wall St, Stake AUS or both
  3. Fund your account within 24h of opening it and claim your first reward 

Your reward could be a full Nike, Dropbox or GoPro stock (Stake Wall St) and A$10 of trading credit (Stake AUS).

Fund both? Get both.

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Kickstart your investing journey with Stake

Investment Return Calculator FAQs

Setting an investment time horizon is vital for planning your investment strategy. The shorter the time horizon, the less time you’ll have to grow the investment and the more subject to market volatility your investment becomes which could negatively impact your returns.

Conversely, a long-term time horizon allows investors to tolerate more market volatility as they have the luxury of extended periods of time to offset fluctuations and make more contributions.

Ultimately, the investment time horizon is subject to what you’re saving towards and when you’ll need the money.

As markets can be unpredictable and some years will have a higher rate of return than others, it’s best to think of investment returns by way of averages. While many look at investment gurus such as Warren Buffett – who has an annualised return of roughly 22% – for inspiration, it may not be realistic to assume this rate of return without expertise and a considerable liquidity advantage. 

A general rule of thumb appears to be setting benchmarks of comparison against the annualised yearly returns of major indexes such as the S&P 500 or ASX 200.

We keep our brokerage fees simple and transparent. Whether you’re investing in stocks, ETFs, OTCs, hybrid securities, exchange-traded bonds or any other investment product, you’ll pay just $3 on trades up to $30,000. And 0.01% on trades above $30,000 (in AUD for Stake AUS and USD for Stake Wall St).

Get started with a free U.S. stock

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Stakeshop Pty Ltd, trading as Stake, ACN 610105505, is an authorised representative (Authorised Representative No. 1241398) of Sanlam Private Wealth Pty Ltd (Australian Financial Services Licence No. 337927) ('Sanlam') and an authorised representative (Authorised Representative No. 1241398) of Airwallex Pty Ltd (Australian Financial Services Licence No. 487221) ('Airwallex'). Stake is not authorised by Airwallex under Airwallex’s AFSL to arrange for clients to be issued with securities as Airwallex is not authorised under its AFSL for this purpose. Stake is not authorised by Sanlam under Sanlam’s AFSL to arrange for clients to be issued with a non-cash payment facility as Sanlam is not authorised under its AFSL for this purpose. Stake SMSF Pty Ltd (‘Stake Super’) is not licensed to provide financial product advice under the Corporations Act. This specifically applies to any financial products which are established if you instruct Stake Super to set up a self managed super fund (‘SMSF’). When you sign up to Stake Super, you are contracting with Stake SMSF Pty Ltd who will assist in the establishment of a SMSF under a ‘no advice model’. You will also be referred to Stakeshop Pty Ltd to enable your trading account and bank account to be set up in order to use the Stake Website and/or App. Stakeshop Pty Ltd will also run marketing and promotions to you under. For more information about SMSFs, see our SMSF Risks page.The information on our website or our mobile application is not intended to be an inducement, offer or solicitation to anyone in any jurisdiction in which Stake is not regulated or able to market its services. At Stake and Stake Super, we’re focused on giving you a better investing experience but we don’t take into account your personal objectives, circumstances or financial needs. Any advice given by Stake is of a general nature only. As investments carry risk, before making any investment decision, please consider if it’s right for you and seek appropriate taxation and legal advice. Please view our Financial Services GuideTerms & ConditionsPrivacy Policy and Disclaimers  before deciding to invest on or use Stake or Stake Super. By using our website or service in any way, you agree to our Privacy Policy and Terms & Conditions. All financial products involve risk and you should ensure you understand the risks involved as certain financial products may not be suitable to everyone. Past performance of any product described on this website is not a reliable indication of future performance. Stake and Stake Super are registered trademarks in Australia.

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