Compound Interest & Savings Growth Calculator
See a year-by-year breakdown of deposits and growth.
Your inputs
Change any value — everything below recalculates immediately in this tab.
Year by year
| After | Contributed | Growth | Balance | Without growth |
|---|---|---|---|---|
| Year 1 | $2,200.00 | $79.05 | $2,279.05 | $2,200.00 |
| Year 2 | $3,400.00 | $223.53 | $3,623.53 | $3,400.00 |
| Year 3 | $4,600.00 | $436.81 | $5,036.81 | $4,600.00 |
| Year 4 | $5,800.00 | $722.38 | $6,522.38 | $5,800.00 |
| Year 5 | $7,000.00 | $1,083.97 | $8,083.97 | $7,000.00 |
| Year 6 | $8,200.00 | $1,525.44 | $9,725.44 | $8,200.00 |
| Year 7 | $9,400.00 | $2,050.90 | $11,450.90 | $9,400.00 |
| Year 8 | $10,600.00 | $2,664.64 | $13,264.64 | $10,600.00 |
| Year 9 | $11,800.00 | $3,371.17 | $15,171.17 | $11,800.00 |
| Year 10 | $13,000.00 | $4,175.24 | $17,175.24 | $13,000.00 |
Limits of this projection
- A constant nominal annual rate divided by 12, applied monthly. Real returns vary and can be negative.
- No tax, fees, inflation or withdrawals are modelled; those all reduce the spendable result.
- The 'Without growth' column is simply the money you put in — a baseline, not a forecast.
How this tool works
- A constant nominal annual rate divided by 12, applied monthly with the deposit added at month end.
- No tax, fees, inflation, withdrawals or variable returns are modelled.
- The 'Without growth' column is simply the sum of your deposits, shown as a baseline.
Read the full guides
The step-by-step guides behind this tool, from the Howcompass library.
Questions & answers
Is the rate guaranteed?
No. It is a number you enter to explore arithmetic. No product, market or account is being modelled.
Why show a no-growth column?
It separates money you put in from growth the arithmetic adds. Without that baseline it is easy to misread a projected balance as savings effort.
Does it account for inflation?
No. The numbers are nominal. Inflation, tax and fees would all reduce what the money is worth when you spend it.
Privacy & limits
Your figures stay in this browser tab. Nothing is uploaded.
A constant-rate projection is not a forecast. Real returns vary and can be negative; this is not investment advice.
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