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Bear Market Recovery

Bear Market Recovery

Project how long it takes your portfolio to recover from drops of various sizes based on historical returns.

Your Portfolio
Select a Drop to Model
−20%Correction
−30%Bear Market
−40%2008-Style
−50%Great Crash
Time to Recover
— years
—
Portfolio After Drop
—
starting point for recovery
Return Needed to Recover
—
from drop, to break even
Recovery Path — Portfolio Value Over Time
A — drop would take your portfolio from — down to —. With your monthly contributions continuing, you'd be back to your original value in —. Without contributions, it would take —.
Historical averages assumed. Actual recovery varies with market conditions. Not financial advice. Predictable Income

Bear Market Recovery Calculator

The math of recovery is brutally asymmetric. A 30 percent loss requires a 43 percent gain to break even, and a 50 percent loss requires a 100 percent gain. Our Bear Market Recovery Calculator projects exactly how long your portfolio takes to recover from drops of various sizes based on your expected return and ongoing contributions. Select a drop level from minor correction to great crash, enter your portfolio value and monthly contributions, and the calculator shows your recovery timeline with your contributions continuing alongside a second scenario where contributions stop entirely. The difference is often dramatic, demonstrating why continuing to invest through a bear market is one of the highest-leverage decisions long-term investors can make. For anyone trying to decide whether to keep investing after a market drop, this calculator quantifies the recovery acceleration your dollar-cost averaging provides.