Stock CAGR Visual Simulator

Stock CAGR Visual Simulator

Plan long term growth with clarity

The Stock CAGR Visual Simulator helps investors see how an amount can grow over time using compound annual growth rate. You can model lump sum and recurring contributions together, then compare multiple scenarios on a single chart. The simulator accepts plain numbers without currency symbols, so users across regions can work in their own local units. It is private, fast, and runs fully inside the browser.

Why this simulator is useful

Most CAGR calculators only return a single final value. This tool goes further by plotting the entire growth path, summarizing total contributions, final corpus, net gain, and realized CAGR based on the simulated schedule. It also includes an optional volatility control that adds month to month variation around your target annual return for a more realistic path illustration. You can quickly switch between deterministic and variable paths to understand the range of possible outcomes.

How it works

Add one or more scenarios. For each scenario provide a short name, the initial amount, a recurring contribution amount, the time horizon in years, and the expected annual return percent. Choose contribution frequency monthly or yearly. If you want to demonstrate variability, set volatility percent and enable the randomness toggle. When you click simulate, the engine compounds returns at a monthly step using the annual rate divided by twelve. If volatility is enabled, a random shock is applied around the monthly drift using the volatility setting, which produces a single illustrative path. The calculator then displays final value, total contributed, net gain, and realized CAGR based on the resulting time series.

What you will see

• A line chart visualizing each scenario across the full horizon

• A comparison table with final value, total contributed, and net gain

• Realized CAGR for each scenario based on start and end values

• Clear warnings if horizon or inputs are missing

• Demo data that loads two ready scenarios for quick testing

Who benefits

• Individual investors planning long term goals

• Educators explaining compounding and contribution effects

• Advisors showing clients the value of staying invested

• Content creators building tutorials on long term investing concepts

Best practice insights

• Time in the market matters. Longer horizons allow compounding to work even with modest return rates.

• Consistent contributions can significantly lift outcomes versus lump sum alone.

• Volatility affects the path but long horizons reduce the impact of short term swings in the illustration.

• Always review fees and taxes in your real portfolio. This tool focuses on growth mechanics.

Privacy and scope

All calculations run locally in your browser. No sign up and no data upload. Values are unit based with no currency symbols for global usability.

Educational note

This simulator is for learning and planning. It does not provide financial advice. Consider consulting a qualified professional for decisions.

FAQs

1. How is realized CAGR computed
   It is calculated from the first positive total value to the last value using the standard CAGR formula based on elapsed years.

2. What volatility model is used
   A simple monthly variation around the monthly drift. It is meant for visualization and not for risk modeling.

3. Can I disable randomness
   Yes. Leave volatility at zero or disable the randomness toggle to use a clean CAGR curve.

4. How are contributions applied
   Monthly contributions occur at each month end when frequency is monthly. Yearly contributions occur at the end of each year step.

5. Can I compare many scenarios
   Yes. Add scenarios dynamically. The chart will show all paths and the table lists the key outcomes.

6. Can I export a report
   Yes. Download a PDF with a subtle FreeAiToolsOnline branded link in the bottom right corner.

7. Why no currency symbols
   To support a worldwide audience. Enter plain numbers and interpret them in your local units.

8. Does it include taxes or fees
   This build focuses on growth. You can approximate fees by reducing the return percent.