Calculators
Estimate how an initial balance and regular monthly contributions could grow over time.
Estimated outcome
Estimate only. Assumes a constant rate and regular contributions; excludes fees, taxes, inflation, withdrawals, and market volatility.
Year by year
| Year | Contributions | Estimated interest | Ending balance |
|---|
How compounding works
Compound interest is earned on both the money contributed and interest accumulated along the way. A higher rate, more frequent compounding, more time, or additional principal can increase estimated growth.
Model assumptions
Monthly contributions are modeled at the selected beginning or end of each month. The selected compounding frequency is converted to an equivalent monthly growth rate so contributions can be projected consistently.
Learn more
Review the explanations and calculators from the U.S. Securities and Exchange Commission’s Investor.gov and the Consumer Financial Protection Bureau. Actual financial products use their own rates, fees, crediting rules, and terms.
How to use it
Useful for
Examples
Know before you start
Common questions
No. The rate is a constant assumption. Actual investments, savings products, fees, taxes, and inflation can produce different results.
The selected contribution timing determines whether each payment receives growth during that period.
No. The calculation and chart data remain in this browser.
Calculations run in this browser and your financial assumptions are never uploaded.
The tool reads and processes this input in your browser. Tool Packer's application server does not receive the input or generated result.
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