Finance

Wedding Return on Investment Calculator (15 Years)

Calculate return on investment as a percentage. This wedding version uses a 15-year planning term as its starting point.

The Return shown is the total gain on the amount invested over the whole period, expressed as a percentage of that invested amount, so a positive figure means the final value is above the amount invested and a negative figure means it is below it; it is not a yearly or annual rate.

Formula

Return equals final value minus invested amount, divided by invested amount, times 100.

How it works

A positive return means the final value is higher than the amount invested.

Worked example

Amount invested $10,000, final value $15,000, term 15 years. The gain is $15,000 minus $10,000, which is $5,000. Using the page formula, the return is $5,000 divided by $10,000, times 100, which gives 50.00%. That is the calculator's own result for these defaults, and it is the same on every page in this group because the term is not an input: only the amount invested and the final value are entered. Spread over 15 years, the same 50% total is equal to about 2.74% a year, because $10,000 compounded at 2.74% a year for 15 years reaches $15,000.

Who this term suits for a wedding: parents saving for a child's wedding about 15 years ahead, where the fund must survive changing wedding prices and styles.

FAQs

What is a good ROI?
There is no single good figure. Compare returns over the same period and with the same risk before deciding.

Is this wedding calculator exact?
No, it is an estimate for planning only, based on the numbers you enter.

Are these figures financial advice?
No, they are estimates for planning only, not financial advice. Check with a qualified adviser for decisions involving large sums.

Why is the 15-year yearly rate only 2.74% for the same 50%?
Because the same $5,000 gain is spread over 15 years instead of 5. Compounding at 2.74% a year for 15 years turns $10,000 into $15,000.

Does a 15-year wedding fund need checking every year?
Yes. Wedding prices, interest rates, and the couple's plans all change over 15 years, so a fund left unchecked can drift far from the wedding budget.

What if the wedding budget grows to $20,000 over 15 years?
Then the fund must double, which needs about 4.73% a year over 15 years. At 2.74% a year it would only reach $15,000, leaving a $5,000 gap.

Estimates only, not financial advice. Figures are approximate and do not include all fees, taxes, or changing rates unless stated.