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Compound growth calculator
Explore how starting savings, regular contributions and time could grow your money.
How this estimate works
Uses a constant annual effective growth rate, converted to an equivalent monthly rate: (1 + annual growth)^(1/12) − 1. Contributions are added at the end of each month. Today’s purchasing power divides the ending balance by (1 + inflation)^years. Contributions stay fixed in dollar terms.
Actual investments fluctuate and may lose value. Returns here are smooth illustrations. Taxes and fees are not modeled; choose an assumption that reflects costs where appropriate.
A little more clarity
Why show contributions separately from growth?
Your contributions are money you put in. Modeled growth is the ending balance minus those contributions, and can be negative with a negative growth assumption.
Does inflation reduce the balance?
Inflation does not change the displayed future-dollar balance. It changes the separate estimate of what that balance could buy in today’s dollars.
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