Saving a small amount regularly makes a big difference over time thanks to compound growth. Enter your starting amount, monthly saving, expected return and period to see your final balance and how much of it is earnings.
You can also increase your contribution each year and see the value in today’s money after inflation.
How to use it
- Enter the initial amount and monthly contribution.
- Enter the expected annual return and years.
- Optionally add a yearly increase and inflation.
- Read the final balance and open the yearly table.
Features
- Monthly compounding.
- Chart of contributions vs earnings.
- Optional yearly increase.
- Real value after inflation.
- Year-by-year table.
Tip: Start early, even small: time matters more than the amount for growing savings.
An example of the power of time
| Salma | Youssef | |
|---|---|---|
| Saves per month | 500 | 500 |
| Starts at age | 25 | 35 |
| Years until 55 | 30 | 20 |
| Total contributed | 180,000 | 120,000 |
At an assumed 5% annual return, Salma reaches about 416,000 and Youssef about 206,000. She contributed a third more but ends up with roughly twice as much, because her returns compounded for ten extra years. Try the same numbers in the calculator.
The rule of 72
Divide 72 by the annual return to estimate how many years money takes to double: at 6% about 12 years, at 3% about 24 years.
Note: future returns aren't guaranteed. This tool is for planning and learning, not investment advice. Check risks and fees before investing, and consult a professional if needed.
Privacy
The tool runs in your browser and your data is not sent to our servers. Free, with no sign-up.