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Formula for Wealth Calculator

Use this Formula for Wealth calculator to illustrate how achieving financial goals involves tradeoffs between three investment components: Target goal, Time and Rate of Return.


Discover how much clients need to invest bi-weekly, monthly, annually or as a single lump sum to reach a goal.

Triangle of Wealth

Sometime referred to as the Wealth Triangle, the formula for wealth investing concept deals with three major components.


When it comes to investing, the biggest cost you will face is the cost of waiting to invest. Time is the biggest factor in compounding wealth so the sooner you start to saving, the less you will need to invest later. While there are many reasons people put off investing, the best time to invest is now. With a focus on the long term, it’s important to stay invested.

Target Goal

The larger the goal, the more you will need to invest. By starting earlier, you may be able to reach your goal by investing less.

Rate of Return

Keeping your money in only interest-bearing investments such as bank accounts and term deposits may keep your money safe from market volatility, but it may also increase your risk of not having enough money for your financial goals. Once adjusted for taxes and inflation, investing in lower guaranteed rates of return, can have a negative impact on your portfolio. It’s important to consider your risk tolerance in relation to investing and learn about diversifying to reduce risk.

Discover how all these factors impact each other in the formula for wealth calculator.

Additional calculators to help with your planning include:

Will the Money Last?
Saving to Reach  a Goal
Present Value Calculator

Formula for Wealth Calculator

Companion Infographic

Comprehensive financial planning involves six steps. The Planning for Success infographic highlights how working with a financial professional helps to guide you through each step on the road to financial success.

Planning for Success Infographic


These consumer-facing financial calculators can be embedded in your web site quickly and easily.

Calculators are easy-to-use and fully responsive on any device – phone, tablet, laptop or desktop.

Full Branding
Calculators can be fully branded according to your branding style guide. You’ll be up and running with a quick turnaround.

The calculators can be viewed for free up to five (5) times.

To use the full-featured versions of these calculators in FreshPlan, please contact us.

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