5% Annual Return Calculator
Project future value at 5% annual return
Annual Return
5%
Future Value
2억 3,264만원
20years
Total Profit
1억 264만원
Multiplier
1.79x
Default Conditions:Initial Investment 1천만원 + Monthly Contribution 50만원
📅 By Investment Period
| Period | Total Contributions | Future Value | Total Profit | Multiplier |
|---|---|---|---|---|
| 5years | 4,000만원 | 4,683만원 | 683만원 | 1.17x |
| 10years | 7,000만원 | 9,411만원 | 2,411만원 | 1.34x |
| 15years | 1억원 | 1억 5,478만원 | 5,478만원 | 1.55x |
| 20years | 1억 3,000만원 | 2억 3,264만원 | 1억 264만원 | 1.79x |
| 25years | 1억 6,000만원 | 3억 3,256만원 | 1억 7,256만원 | 2.08x |
| 30years | 1억 9,000만원 | 4억 6,080만원 | 2억 7,080만원 | 2.43x |
💰 By Investment Method
20년 투자 기준
| Method | Total Contributions | Future Value | Total Profit |
|---|---|---|---|
| 500K/mo | 1억 2,000만원 | 2억 551만원 | 8,551만원 |
| 10M + 500K/mo | 1억 3,000만원 | 2억 3,264만원 | 1억 264만원 |
| 50M + 500K/mo | 1억 7,000만원 | 3억 4,114만원 | 1억 7,114만원 |
| 100M lump sum | 1억원 | 2억 7,126만원 | 1억 7,126만원 |
💡 Investment Tips
- 5% return is typical for conservative bond funds.
- Past performance does not guarantee future returns.
- Diversify to reduce risk.
❓ FAQ
What do I get with 5% return over 20 years?
With 10M initial + 500K/mo, you get 2억 3,264만원 (1.79x).
Is 5% 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.