✨ FINANCIAL SIMULATION PLATFORM

Understand what your
money can do

Replay the past with real market data. Simulate the future with 1,000 probability scenarios. Two tools, one platform.

⏪ Replay Mode
What happened? 🔭 Future Mode
What could happen?
✓ No sign-up required
✓ Real historical data
✓ 1,000 simulations per run
✓ No credit card
20+
Years of Data
50+
Assets to Compare
∞
Scenarios to Test
13,456
Simulations Run

Two ways to understand your money

Look backward with real data. Look forward with probability.

⏪
Replay Mode

What happened?

Pick any asset, any time period. See exactly what your investment would be worth today using real historical prices — no guesses, no projections.

  • ✓ Stocks, crypto, indices, commodities
  • ✓ Monthly contributions & portfolio mode
  • ✓ Shareable result cards
Try Replay Mode →
🔭
Future Mode

What could happen?

Not a prediction — a probability. Run 1,000 Monte Carlo simulations based on real historical volatility to see the range of possible futures for your money.

  • ✓ 1,000 simulations per run
  • ✓ Pessimistic / median / optimistic bands
  • ✓ Age-based framing (e.g. "by age 45…")
Try Future Mode →
⚠️ THE HIDDEN COST

Waiting is more expensive than you think

Most young adults delay investing because it feels complex or risky. But the real risk? Missing years of compound growth.

"The best time to start investing was yesterday. The second best time is today."

Why Use Invetest?

Test investment scenarios risk-free with real historical data

📊

Real Market Data

Simulate historical market performance using actual data from Yahoo Finance — not guesses or projections

💼

Portfolio Builder

Compare individual assets or combine them into a diversified portfolio with custom allocations

📈

Visual Insights

Interactive charts show exactly how your investment would have grown — or shrunk — over time

Popular simulations

Click any to run the full simulation with real historical data.

$1,000 in Bitcoin in 2014
+10823%
$1,000 in Ethereum in 2016
+410%
$1,000 in NVIDIA in 2019
+2975%
$1,000 in Apple in 2010
+3211%
$1,000 in Amazon in 2010
+2323%
$1,000 in Tesla at the 2020 Crash
+963%
$1,000 in S&P 500 Since 2010
+344%
$1,000 in Gold Since 2001
+677%
$1,000 in Dogecoin at its 2021 Peak
-73%
$500/Month in S&P 500 for 20 Years
+179%
$1,000 in Microsoft in 2012
+1502%
$1,000 in Meta at the 2022 Crash
+296%
$1,000 in Solana in 2020
+3403%
$1,000 in Bitcoin at the 2021 Peak
+18%
$100/Month in S&P 500 for 30 Years
+276%
$1,000 in S&P 500 After the 2008 Crash
+498%
$1,000 in Google (Alphabet) in 2010
+953%
$1,000 in Amazon at the COVID Crash
+71%
$1,000 in NVIDIA at the COVID Crash
+1569%
$1,000 in Berkshire Hathaway Since 2000
+983%
$1,000 in XRP at the 2017/18 Crypto Peak
-55%
$1,000 in Coca-Cola Since 1994
+1106%
$1,000 in Tesla at IPO (2010)
+15541%
$5,000 in Bitcoin in 2016
+11361%
$1,000 in S&P 500 at 2003 Dot-Com Bottom
+462%
$10,000 in S&P 500 Since 2010
+344%
$100/Month in Bitcoin Since 2019
+196%
$1,000 in Ethereum at the 2021 Peak
-19%
$200/Month in S&P 500 for 10 Years
+73%
$1,000 in Bitcoin at the COVID Crash
+556%
$1,000 in NASDAQ 100 Since 2010
+866%
$1,000 in Netflix in 2012
+2735%
$1,000 in GameStop at the 2021 Short Squeeze Peak
-72%
$1,000 in AMD Since 2016
+6600%
$1,000 in Shopify at IPO (2015)
+2764%
$1,000 in Disney at the COVID Crash
-6%
$1,000 in Palantir at IPO (2020)
+128%
$1,000 in Coinbase at IPO (2021)
-24%
$1,000 in PayPal Since 2015 Spin-off
+59%
$1,000 in Zoom at the 2020 COVID Peak
-84%
$1,000 in Intel at the 2000 Dot-Com Peak
+16%
$1,000 in Uber at IPO (2019)
+52%
$1,000 in Peloton at the 2021 Peak
-96%
$1,000 in Snowflake at IPO (2020)
-21%
$1,000 in Binance Coin (BNB) Since 2019
+4884%
$1,000 in Chainlink (LINK) in 2020
+429%
$1,000 in Shiba Inu at the 2021 Peak
-85%
$1,000 in Litecoin in 2020
+7%
$1,000 in AMD at the COVID Crash
+224%
$1,000 in Russell 2000 Since 2010
+237%
$1,000 in Netflix at the 2021 Peak
-0%
Explore all assets in Replay Mode →

Frequently Asked Questions

Everything you need to know about Invetest.

What is Invetest?

Invetest is a free investment return calculator that uses real historical market data to show what any investment would be worth today. Simulate past investments with Replay Mode or project future growth with 1,000 Monte Carlo simulations in Future Mode. No sign-up required.

How accurate is the investment return calculator?

Invetest uses real historical price data from Yahoo Finance for all calculations. Replay Mode shows exact returns based on actual closing prices. Future Mode uses Monte Carlo simulation based on real historical volatility — showing a probability range of outcomes, not a single prediction.

What assets can I simulate?

Bitcoin (BTC), Ethereum (ETH), Solana (SOL), Dogecoin (DOGE), the S&P 500, NASDAQ 100, Apple (AAPL), NVIDIA (NVDA), Tesla (TSLA), Microsoft (MSFT), Amazon (AMZN), Alphabet (GOOGL), Meta (META), Gold, Silver, Crude Oil, and many more. Over 30 assets total across stocks, crypto, indices, and commodities.

Is Invetest free to use?

Yes — completely free. No sign-up, no credit card, no premium tier. All features including Replay Mode, Future Mode, portfolio comparison, and all historical scenarios are available to everyone at no cost.

What is the average S&P 500 historical return?

The S&P 500 has returned approximately 10% per year on average, including dividends reinvested. From 2010 to 2024, a $1,000 investment grew to approximately $7,200 — a 620% total return. Simulate the exact S&P 500 return →

Start exploring your money

Look back at what you missed. Look forward at what's possible.

⏪ Replay Mode 🔭 Future Mode

No sign-up required · Real market data