Investment Drawdown Recovery Calculator

How to use this calculator

Enter starting portfolio, drawdown percentage, assumed annual recovery return, and monthly contribution. The tool estimates the required gain and months to regain the starting value.

When this calculator is useful

• Explaining bear-market recovery math
• Stress-testing risk tolerance
• Understanding how contributions affect recovery

Important limitations

Markets do not recover at a steady rate. Taxes, fees, withdrawals, and sequence of returns are not modeled.

For best results, run at least three cases: a conservative case, a middle case, and a stretch case. If a small change in inputs creates a big change in the answer, that is a sign the decision may be sensitive to rates, fees, timing, or market performance.