Your inputs
Explore initial savings, monthly investing and compound growth with an interactive chart, contribution breakdown and CSV download.
Loading this tool…
Explore initial savings, monthly investing and compound growth with an interactive chart, contribution breakdown and CSV download.
Explore initial savings, monthly investing and compound growth with an interactive chart, contribution breakdown and CSV download.
A simulation using your inputs. No live prices, currency conversion, taxes or guaranteed returns. All costs and deposits use one currency.
Effective monthly rate = (1 + annual return)^(1/12) − 1. Exactly one deposit per month. Fees and taxes are excluded. Returns are assumed constant.
A simulation using your inputs. No live prices, currency conversion, taxes or guaranteed returns. All costs and deposits use one currency.
Explore initial savings, monthly investing and compound growth with an interactive chart, contribution breakdown and CSV download.
A simulation using your inputs. No live prices, currency conversion, taxes or guaranteed returns. All costs and deposits use one currency.
Compound investing harnesses the mathematical principle where accumulated earnings generate their own returns over successive cycles. This simulator projects future portfolio values based on initial capital, fixed monthly contributions, a duration between 1 and 1,200 months, annual return, and deposit timing. Annual yields are treated as effective annual rates using the monthly conversion formula '(1 + r)^(1/12) - 1' rather than simple division, displaying interactive charts and CSV exports.
Consider a hypothetical scenario with an initial deposit of $1,000, monthly additions of $100 for 12 months, and an assumed 12% effective annual return (about 0.949% monthly). Total principal invested is $2,200. If contributions occur at month-end, the ending balance reaches approximately $2,384.65, delivering an estimated profit of $184.65. Choosing beginning-of-month contributions allows capital to compound earlier, elevating the projected outcome to roughly $2,396.65 with $196.65 in growth.
All projections are pre-tax nominal estimates and do not represent investment advice or guaranteed earnings. The calculations do not incorporate capital gains taxes, fund expense ratios, trading commissions, or inflation. Real-world market yields fluctuate continuously. All computation routines execute locally in your web browser without transmitting private data to remote servers.
The calculator models the annual percentage as an effective annual rate using '(1+r)^(1/12)-1'. Simple division ignores compounding mechanics, whereas this conversion ensures exact mathematical precision.
You can select any integer duration between 1 month and 1,200 months (up to 100 years). Durations outside this boundary or non-integer inputs are not supported.
No, the model applies a single identical contribution figure across every month in the schedule. Custom staggered schedules or annual contribution escalators are not available.