Calculate how long it takes to reach a financial goal with regular contributions and investment returns.
Higher returns accelerate goal achievement. A 7% return vs 3% can shorten the timeline significantly.
For short-term goals (<2 years), use 0-2%. For long-term, use 5-8% based on your investment mix.
Extend the timeline, increase income, reduce the goal, or find higher-return investments (with more risk).