3% Annual Return Calculator
Project future value at 3% annual return
Annual Return
3%
Future Value
1억 8,235만원
20years
Total Profit
5,235만원
Multiplier
1.4x
Default Conditions:Initial Investment 1천만원 + Monthly Contribution 50만원
📅 By Investment Period
| Period | Total Contributions | Future Value | Total Profit | Multiplier |
|---|---|---|---|---|
| 5years | 4,000만원 | 4,393만원 | 393만원 | 1.1x |
| 10years | 7,000만원 | 8,336만원 | 1,336만원 | 1.19x |
| 15years | 1억원 | 1억 2,916만원 | 2,916만원 | 1.29x |
| 20years | 1억 3,000만원 | 1억 8,235만원 | 5,235만원 | 1.4x |
| 25years | 1억 6,000만원 | 2억 4,415만원 | 8,415만원 | 1.53x |
| 30years | 1억 9,000만원 | 3억 1,593만원 | 1억 2,593만원 | 1.66x |
💰 By Investment Method
20년 투자 기준
| Method | Total Contributions | Future Value | Total Profit |
|---|---|---|---|
| 500K/mo | 1억 2,000만원 | 1억 6,415만원 | 4,415만원 |
| 10M + 500K/mo | 1억 3,000만원 | 1억 8,235만원 | 5,235만원 |
| 50M + 500K/mo | 1억 7,000만원 | 2억 5,518만원 | 8,518만원 |
| 100M lump sum | 1억원 | 1억 8,207만원 | 8,207만원 |
💡 Investment Tips
- 3% return is typical for conservative bond funds.
- Past performance does not guarantee future returns.
- Diversify to reduce risk.
❓ FAQ
What do I get with 3% return over 20 years?
With 10M initial + 500K/mo, you get 1억 8,235만원 (1.4x).
Is 3% return realistic?
Yes, this is a conservative target achievable with bonds or savings.
When does compound interest really kick in?
Compound growth becomes exponential after 10+ years of investing.