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Calculators

Investment Growth Calculator

See how regular contributions can grow over time — an educational illustration, not a projection.

Historical returns vary year to year and are never guaranteed — this is a flat, constant assumption for illustration only. The 5% shown is a sample assumption, not a prediction or typical result — try different rates.

Adjusts the illustration for inflation so amounts reflect today's purchasing power.

Educational illustration

Illustrated value

$0

Total contributions

$0

Estimated growth

$0

Contributions: $0Growth: $0

Growth over time

Illustrated balanceTotal contributions

Every value on this chart is also listed in the yearly breakdown table below.

Show yearly breakdown
Rounded, simplified illustration.
YearContributionsGrowthBalance

How this works / assumptions

This tool uses a simplified, standard compound-growth formula so you can see how starting savings and steady monthly contributions might combine over time. It's meant for learning, not for planning a specific financial decision.

  • Growth is compounded monthly: the expected annual return is divided by 12 to get a nominal monthly rate, which is applied every month.
  • Monthly contributions are assumed to be made at the end of each month, so the very first contribution earns one month less interest than the starting amount.
  • The expected annual return is treated as a single, constant rate for the entire time horizon. Real investments fluctuate year to year — there is no volatility, no down years, and no sequence-of-returns risk modelled here.
  • Fees, taxes, and account-specific rules (like contribution limits or withdrawal rules) are not included.
  • The optional "today's dollars" view deflates the final amounts by a single assumed inflation rate over the full horizon — a simplified treatment (contributions are deflated at the end of the horizon, not at the moment each one is made). In the yearly breakdown, each year's values are deflated by that year's factor. Actual inflation varies over time.
  • Historical or "expected" returns are not guarantees of future performance. Actual results can be higher or lower — including negative in some years.