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For reference only. Projections assume a constant rate with monthly compounding and contributions at month end; real returns vary and this is not financial advice.
How to project compound growth
- Enter an initial deposit and the amount you plan to add every month.
- Set an assumed annual rate and the number of years to project.
- Read the future value and how much of it is interest rather than your own money.
- Optionally enter an expected inflation rate to see the future balance in today’s purchasing power.
- Check the chart and yearly table to see when interest starts outgrowing your contributions.
Frequently Asked Questions
How does monthly compounding work here?
Each month the balance first earns one twelfth of the annual rate, then the monthly contribution is added at month end. Compounding monthly at 6% therefore yields slightly more than 6% over a year — the effective annual rate is about 6.17%.
What does the inflation-adjusted value mean?
It divides the future balance by (1 + inflation) raised to the number of years, expressing it in today’s purchasing power. A million in 30 years at 2.5% inflation buys roughly what 476,000 buys today.
Why does the balance curve steepen over time?
Interest is earned on previously earned interest, so growth accelerates as the balance grows — early on, contributions do most of the work; in later years, interest does. The crossover point in the chart is where compounding takes over.
Is my financial data stored or sent anywhere?
No. Every calculation runs locally in your browser the moment you type, and nothing is saved, logged or transmitted — close the tab and nothing remains.
Is this financial advice?
No. The projection assumes a constant rate with no taxes, fees or market swings, which real investments do not offer. Use it to understand the mechanics of compounding, not to pick products.