Personal Finance
Savings Growth Calculator
Model how a starting balance and regular contributions could grow over time under an annual-return assumption you choose.
Interactive estimate
Explore the numbers.
A return assumption is not a forecast or guarantee. The estimate excludes taxes, fees, inflation, contribution changes, volatility, and account-specific terms; a smooth monthly return will not represent actual market paths.
Set a savings scenario
Contributions are assumed at the end of each month and return is compounded monthly.
Common questions
About this calculator
How does the calculator compound returns?
It converts the assumed effective annual return into an equivalent monthly rate, applies it each month, and assumes contributions arrive at the end of each month.
Are projected returns guaranteed?
No. A chosen return is only an input for an illustration. Actual savings-account rates and investment results change and can be lower or negative.
Does this include inflation, taxes, or fees?
No. Those factors can affect purchasing power and the amount you keep; check account and tax terms separately.