Ramsey-Style Investment Calculator
Free investment calculator inspired by Dave Ramsey's proven financial principles. Calculate your retirement savings potential using debt-free investing strategies and the 15% rule.
Dave Ramsey Investment Principles Built Into Our Calculator
Debt-Free First
Our calculator assumes you're debt-free (except your home) before investing, following Ramsey's Baby Steps 1-3.
15% Investment Rule
Pre-configured to calculate returns based on investing 15% of your household income for retirement.
Growth Stock Mutual Funds
Default return rates based on Ramsey's recommended mutual fund categories with historical 10-12% average returns.
How to Use This Calculator for Ramsey-Style Investing
Enter Your Current Financial Position
Input your current age, household income, and any existing retirement savings. Remember, this assumes you're already debt-free except for your mortgage.
Set Investment Amount to 15% of Income
Use 15% of your gross household income as your annual investment amount. This follows Ramsey's Baby Step 4 recommendation.
Choose Conservative Return Rates
While Ramsey often mentions 10-12% historical averages, consider using 8-10% for more conservative projections in today's market.
Frequently Asked Questions
Is this calculator officially endorsed by Dave Ramsey or Ramsey Solutions?
No, this calculator is completely independent and not affiliated with, endorsed by, or connected to Dave Ramsey or Ramsey Solutions. It's simply inspired by publicly available investment principles that Dave Ramsey teaches.
Should I really expect 10-12% returns like Dave Ramsey mentions?
While Dave Ramsey often cites historical S&P 500 averages of 10-12%, it's wise to use more conservative estimates (8-10%) in your planning. Market conditions change, and it's better to be pleasantly surprised than disappointed in retirement.