Calculator
Estimate how a starting balance and regular contributions may grow under chosen return, compounding, fee, and inflation assumptions.
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Your illustration
Illustration only. Not investment, tax, or financial advice. Returns, fees, inflation, and outcomes can differ.
Visual breakdown
Charts illustrate the supplied calculation; they are not an account statement or guarantee.
Starting balance: $10,000.00. Contributions: $60,000.00. Gross growth: $36,639.02. Fees: $0.00.
Ending balance: $106,639.02.
Year 1: $16,919.19. Year 10: $106,639.02.
Year by year
Amounts shown in USD.
| Year | Opening balance | Contributions | Gross growth | Fees | Ending balance | Cumulative contributions | Cumulative gross growth | Cumulative fees |
|---|---|---|---|---|---|---|---|---|
| 1 | $10,000.00 | $6,000.00 | $919.19 | $0.00 | $16,919.19 | $6,000.00 | $919.19 | $0.00 |
| 2 | $16,919.19 | $6,000.00 | $1,419.38 | $0.00 | $24,338.58 | $12,000.00 | $2,338.58 | $0.00 |
| 3 | $24,338.58 | $6,000.00 | $1,955.73 | $0.00 | $32,294.31 | $18,000.00 | $4,294.31 | $0.00 |
| 4 | $32,294.31 | $6,000.00 | $2,530.85 | $0.00 | $40,825.16 | $24,000.00 | $6,825.16 | $0.00 |
| 5 | $40,825.16 | $6,000.00 | $3,147.55 | $0.00 | $49,972.70 | $30,000.00 | $9,972.70 | $0.00 |
| 6 | $49,972.70 | $6,000.00 | $3,808.82 | $0.00 | $59,781.53 | $36,000.00 | $13,781.53 | $0.00 |
| 7 | $59,781.53 | $6,000.00 | $4,517.90 | $0.00 | $70,299.43 | $42,000.00 | $18,299.43 | $0.00 |
| 8 | $70,299.43 | $6,000.00 | $5,278.24 | $0.00 | $81,577.68 | $48,000.00 | $23,577.68 | $0.00 |
| 9 | $81,577.68 | $6,000.00 | $6,093.55 | $0.00 | $93,671.22 | $54,000.00 | $29,671.22 | $0.00 |
| 10 | $93,671.22 | $6,000.00 | $6,967.79 | $0.00 | $106,639.02 | $60,000.00 | $36,639.02 | $0.00 |
Definition and method
Compound interest means that growth can be earned on the starting amount and on earlier growth. This calculator extends that idea with recurring contributions, contribution timing, fees, and inflation.
A = P(1 + r/n)nt
This familiar formula describes one principal without the calculator’s monthly cash-flow events. It is context, not a replacement implementation.
Exact calculator model
The engine converts the selected nominal annual rate to an equivalent monthly rate:
rm = (1 + r/n)n/12 − 1
Values retain full numeric precision inside the engine. Currency display is rounded to two decimal places only when shown. The inflation-adjusted ending balance discounts the modeled final balance using the entered constant inflation rate over the exact duration.
Engine-backed examples
Both examples below are generated by the live calculation engine, not by separately typed result arithmetic.
With annual compounding, no contributions, no fee, and no inflation, the modeled ending balance is $1,102.50. Gross growth is $102.50.
Inputs: USD 1,000; 5% nominal annual return; annual compounding; 24 months; end timing; no contributions, fees, or inflation.
| Scenario | Contributions | Growth | Ending balance |
|---|---|---|---|
| No contribution | $0.00 | $102.50 | $1,102.50 |
| $100 each month, at month end | $2,400.00 | $218.38 | $3,618.38 |
The comparison changes only the recurring contribution amount. It does not predict future returns.
Interpretation
Rates, fees, inflation, and contribution behavior are held constant. Markets and real household cash flows do not behave this way.
Fees are modeled monthly after growth. Inflation changes the purchasing-power comparison, not the nominal ending balance.
The model does not include taxes, volatility, sequence risk, exchange rates, product rules, insolvency, or personal circumstances.
United States intent: account tax treatment and securities rules vary; this calculator does not model federal or state tax. European intent: consumer disclosures, tax, deposit protection, and product rules vary by country; using EUR or a European number format does not determine jurisdiction.
Common questions
No. It is an illustration using constant inputs. Real returns, fees, inflation, taxes, and cash flows can change.
It changes how the nominal annual rate is converted to the monthly rate used by the ledger.
A contribution can be added at the beginning or end of a due month. That choice changes how soon it can earn modeled growth.
The entered annual fee rate is divided by twelve and deducted each month after interest, before any end-of-period contribution.
It expresses the modeled final balance in present-value terms using your constant annual inflation assumption.
No. Tax rules vary by person, product, account, market, and jurisdiction, so tax is outside this calculator.
The current calculator runs in your browser. It has no account system and does not send inputs to an application database.
Help improve this page
Do not include passwords, account numbers, government identifiers, or other sensitive financial information.
Your calculation
Complete all four steps on one page. Results update after a short pause, or when you select Recalculate.
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Visual breakdown
Charts illustrate the supplied calculation; they are not an account statement or guarantee.
Where the balance comes from
Use Left and Right Arrow to review chart values. Home selects the first value. End selects the last value.
Ending balance: $106,639.02.
This illustration starts with $10,000.00, adds $60,000.00 in contributions, shows $36,639.02 in gross growth, and ends at $106,639.02. Regular contributions total $60,000.00 in this illustration.
How it changes over time
Use Left and Right Arrow to review chart values. Home selects the first value. End selects the last value.
Year 10: $106,639.02.
The illustrated annual ending balance moves from $16,919.19 at Year 1. The first recorded annual ending balance is $16,919.19 and the final recorded annual ending balance is $106,639.02.
View annual calculation detailYear by year
Amounts shown in USD.
Scroll the table horizontally to see every column.
| 1 | $10,000.00 | $6,000.00 | $919.19 | $0.00 | $16,919.19 | $6,000.00 | $919.19 | $0.00 |
| 2 | $16,919.19 | $6,000.00 | $1,419.38 | $0.00 | $24,338.58 | $12,000.00 | $2,338.58 | $0.00 |
| 3 | $24,338.58 | $6,000.00 | $1,955.73 | $0.00 | $32,294.31 | $18,000.00 | $4,294.31 | $0.00 |
| 4 | $32,294.31 | $6,000.00 | $2,530.85 | $0.00 | $40,825.16 | $24,000.00 | $6,825.16 | $0.00 |
| 5 | $40,825.16 | $6,000.00 | $3,147.55 | $0.00 | $49,972.70 | $30,000.00 | $9,972.70 | $0.00 |
| 6 | $49,972.70 | $6,000.00 | $3,808.82 | $0.00 | $59,781.53 | $36,000.00 | $13,781.53 | $0.00 |
| 7 | $59,781.53 | $6,000.00 | $4,517.90 | $0.00 | $70,299.43 | $42,000.00 | $18,299.43 | $0.00 |
| 8 | $70,299.43 | $6,000.00 | $5,278.24 | $0.00 | $81,577.68 | $48,000.00 | $23,577.68 | $0.00 |
| 9 | $81,577.68 | $6,000.00 | $6,093.55 | $0.00 | $93,671.22 | $54,000.00 | $29,671.22 | $0.00 |
| 10 | $93,671.22 | $6,000.00 | $6,967.79 | $0.00 | $106,639.02 | $60,000.00 | $36,639.02 | $0.00 |