See how your money grows with compounding and steady contributions. Set the rate, years, and timing to get a clear forecast—plus a year-by-year table and CSV export.
| Year | Start balance | Contributions | Interest | End balance |
|---|
CSV export includes all years.
Tip: switching timing from “end” to “beginning” applies each contribution before interest, which usually boosts the final balance.
We iterate period-by-period. Each step applies interest at rate ÷ periods and adds a contribution either before or after interest depending on timing. The approach exactly matches an annuity-with-principal model and handles any frequency.
Savings accounts are often compounded daily or monthly; investments are commonly viewed monthly. More frequent compounding increases the effective annual rate slightly.
Contributions start earning interest immediately each period, giving them more time in the market than end-of-period contributions.
This tool assumes steady monthly contributions. For irregular cash flows, export the CSV and adjust in a spreadsheet or use a cash-flow (XIRR/NPV) model.
No—figures are nominal. If you want a rough “real” view, subtract an estimated inflation rate from your APR or deflate the results externally.