Estimate how an initial balance and regular contributions could grow when returns are compounded over time.
The calculator applies an equivalent monthly rate and adds the monthly contribution each month. It is designed to help you understand the relationship between time, contributions and a hypothetical rate of return.
The calculator applies the annual return as a monthly rate (annual percentage ÷ 12 ÷ 100). Each month, the existing balance earns the assumed monthly return and the entered contribution is then added. The estimate therefore assumes contributions arrive at the end of each month and the same rate applies throughout the selected period.
What the result means: total contributions include the starting amount plus all monthly contributions; estimated growth is the projected balance minus those contributions.
Returns are not guaranteed. The estimate excludes taxes, investment fees, inflation and market volatility, and it does not model withdrawals or changing contribution amounts. Actual investment outcomes can be lower or negative.
