How much will your investments grow over time? This investment calculator for Singapore shows you the power of compound interest, whether you're investing a lump sum, doing dollar cost averaging (DCA) monthly, or both.

The concept is simple but the numbers are genuinely eye-opening. Even small amounts invested consistently can grow into something substantial over 10, 20, or 30 years. This compound interest calculator lets you adjust your starting age, monthly investment amount, expected return rate, and target age to see exactly how your money could compound.

You can benchmark your portfolio against CPF SA returns (4% per year) to see how different investment strategies compare. The chart updates in real time as you move the sliders, so you can experiment with different scenarios: what if you start 5 years earlier? What if you invest $200 more per month? What if returns are 7% instead of 5%?

This DCA calculator is especially useful if you're wondering whether to start investing now or wait until you have a larger lump sum. Spoiler: starting early almost always wins, even with smaller amounts. Time in the market matters more than timing the market.

Not sure what to invest in yet? Read our guide on what to invest in as a Singaporean, which covers the S&P 500, VWRA, and how to actually think about building a portfolio. Or explore whether gold deserves a spot in your allocation.