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How Much Must I Gain To Recover A Loss?
Loss Recovery Calculator
Enter a fall in value. See the gain you need just to get back to where you started, and roughly how many years that could take at a return you choose.
New to this? Read The Short Guide First →
2 Your Result
To get back to where you started, you need a gain of
| Fall | Gain Needed |
|---|
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What This Estimate Assumes
Simple maths: the gain needed = 1 ÷ (1 − loss) − 1. Years to recover assume a steady yearly return, compounded once a year, from the lower value. Ignores new money added, withdrawals, fees, dividends and tax. Real markets do not move steadily. Checked 4 October 2026. General information and estimates only, not financial, tax or legal advice.
3 What Next
See The Steps For This GoalRead The GuideHow Much Must I Gain To Recover From A Loss? →Before You Use This Number
Why Is The Gain Bigger Than The Loss?
The gain is worked out on a smaller amount. After a 50% fall, S$10,000 is S$5,000, and S$5,000 must double to get back to S$10,000.
Is The Recovery Time A Forecast?
No. It assumes a steady return every year. Real markets rise and fall unevenly, and some never recover.