How is compound future value calculated?

Future value = initial capital × (1 + monthly return)^months, where months = years × 12. Returns are compounded, not added linearly.

How long does it take to double my money?

Months to double = ln(2) ÷ ln(1 + monthly return). At 1% per month this is about 69.7 months, close to the rule of 72 estimate of 72 months.

No. Real returns vary and can be negative. This tool is a mathematical model for planning and comparison, not a forecast or promise of returns.

用复利数学估算资金增长、达标时间与所需收益率。

⚠重要提示：这只是复利数学模型的推演，不是收益承诺或预测。真实市场会波动，也可能亏损。

初始资金月收益率（%）目标金额年数

期末资金

11,268.25

12 个月

达标所需月数

69.7

所需月收益率

5.946%

年化收益率（CAGR）

12.68%

月收益率（%）

终值 = 本金 ×（1 + 月收益率）^ 月数；达标月数 = ln(目标 ÷ 本金) ÷ ln(1 + 月收益率)

10,000 美元按每月 1% 复利一年 → 11,268.25 美元；资金翻倍约需 69.7 个月。