Finance calculator
Work out future value and compound growth from a starting balance and regular monthly or annual contributions, then layer on compounding frequency, inflation, fees, and taxes to see the inflation-adjusted, after-cost result. Switch on goal planning to solve for the contribution, return, time, or starting amount a target needs. Charts, a year-by-year schedule, and a downloadable Excel model are included. Returns are estimates, not promises.
Estimate future value, interest earned, real purchasing power, and contribution growth in one clear calculator.
Best used for
See how a starting balance plus regular contributions may grow over years or decades.
Educational estimate only. Actual savings rates, investment returns, taxes, fees, inflation, and market outcomes can vary. Investment returns are not guaranteed.
The money you begin with today. Currency only changes formatting, not the math or any local tax rules.
Your current balance. Use 0 to start from scratch.
Used to label the schedule. Optional.
Money you add on a schedule. Beginning-of-period contributions have slightly more time to compound than end-of-period ones.
Raise contributions each year (e.g. with pay rises).
0 = contribute for the whole horizon.
Your assumed annual return and how often interest is added. Returns are assumptions, not promises.
APY/EAR already includes compounding; a nominal rate depends on the compounding frequency you choose.
Optional. Account for inflation, fees, and taxes to see a more realistic picture.
Used to show today's purchasing power.
Fund or platform fee as % of balance per year.
Simplified estimate; real tax rules vary by country and account.
Set a target and solve for what it takes to get there. Required figures are estimates, not recommendations.
These notes are generated from your inputs to help you read the result. They are not financial advice.
Your contributions do most of the work. In year 1, growth is only about 5% of the balance.
Interest becomes visible. By the midpoint, interest-on-interest is a meaningful slice of each year's gain.
Interest-on-interest dominates. By the final year, growth is about 34% of the whole balance.
Balance growth over time
Starting balance, contributions, and interest stacked to your future value.
| Year | Your money | Growth | Balance |
|---|---|---|---|
| 1 | $16,000 | $919 | $16,919 |
| 2 | $22,000 | $2,339 | $24,339 |
| 3 | $28,000 | $4,294 | $32,294 |
| 4 | $34,000 | $6,825 | $40,825 |
| 5 | $40,000 | $9,973 | $49,973 |
| 6 | $46,000 | $13,782 | $59,782 |
| 7 | $52,000 | $18,299 | $70,299 |
| 8 | $58,000 | $23,578 | $81,578 |
| 9 | $64,000 | $29,671 | $93,671 |
| 10 | $70,000 | $36,639 | $106,639 |
| Year | Your money | Growth | Balance |
|---|---|---|---|
| 1 | $16,000 | $919 | $16,919 |
| 2 | $22,000 | $2,339 | $24,339 |
| 3 | $28,000 | $4,294 | $32,294 |
| 4 | $34,000 | $6,825 | $40,825 |
| 5 | $40,000 | $9,973 | $49,973 |
| 6 | $46,000 | $13,782 | $59,782 |
| 7 | $52,000 | $18,299 | $70,299 |
| 8 | $58,000 | $23,578 | $81,578 |
| 9 | $64,000 | $29,671 | $93,671 |
| 10 | $70,000 | $36,639 | $106,639 |
Your money vs growth
How much of the final balance you put in vs what interest added.
| Part | Amount |
|---|---|
| Your money | $70,000 |
| Interest / growth | $36,639 |
| Part | Amount |
|---|---|
| Your money | $70,000 |
| Interest / growth | $36,639 |
Simple vs compound interest
The gap is the value created by interest earning interest.
| Year | Compound | Simple |
|---|---|---|
| Y1 | $16,919 | $16,893 |
| Y2 | $24,339 | $24,205 |
| Y3 | $32,294 | $31,938 |
| Y4 | $40,825 | $40,090 |
| Y5 | $49,973 | $48,663 |
| Y6 | $59,782 | $57,655 |
| Y7 | $70,299 | $67,068 |
| Y8 | $81,578 | $76,900 |
| Y9 | $93,671 | $87,153 |
| Y10 | $106,639 | $97,825 |
| Year | Compound | Simple |
|---|---|---|
| Y1 | $16,919 | $16,893 |
| Y2 | $24,339 | $24,205 |
| Y3 | $32,294 | $31,938 |
| Y4 | $40,825 | $40,090 |
| Y5 | $49,973 | $48,663 |
| Y6 | $59,782 | $57,655 |
| Y7 | $70,299 | $67,068 |
| Y8 | $81,578 | $76,900 |
| Y9 | $93,671 | $87,153 |
| Y10 | $106,639 | $97,825 |
Nominal vs real value
Real value shows today's purchasing power after inflation.
| Year | Nominal | Real |
|---|---|---|
| Y1 | $16,919 | $16,426 |
| Y2 | $24,339 | $22,941 |
| Y3 | $32,294 | $29,554 |
| Y4 | $40,825 | $36,273 |
| Y5 | $49,973 | $43,107 |
| Y6 | $59,782 | $50,066 |
| Y7 | $70,299 | $57,160 |
| Y8 | $81,578 | $64,398 |
| Y9 | $93,671 | $71,791 |
| Y10 | $106,639 | $79,349 |
| Year | Nominal | Real |
|---|---|---|
| Y1 | $16,919 | $16,426 |
| Y2 | $24,339 | $22,941 |
| Y3 | $32,294 | $29,554 |
| Y4 | $40,825 | $36,273 |
| Y5 | $49,973 | $43,107 |
| Y6 | $59,782 | $50,066 |
| Y7 | $70,299 | $57,160 |
| Y8 | $81,578 | $64,398 |
| Y9 | $93,671 | $71,791 |
| Y10 | $106,639 | $79,349 |
Compounding frequency comparison
Same money and rate — only how often interest is added changes.
| Frequency | APY | Final value |
|---|---|---|
| Annually | 7.00% | $105,197 |
| Semi-annually | 7.12% | $105,966 |
| Quarterly | 7.19% | $106,366 |
| Monthly | 7.23% | $106,639 |
| Daily | 7.25% | $106,773 |
| Continuous | 7.25% | $106,777 |
| Frequency | APY | Final value |
|---|---|---|
| Annually | 7.00% | $105,197 |
| Semi-annually | 7.12% | $105,966 |
| Quarterly | 7.19% | $106,366 |
| Monthly | 7.23% | $106,639 |
| Daily | 7.25% | $106,773 |
| Continuous | 7.25% | $106,777 |
Scenario comparison
Final value under different assumptions (set them below).
| Scenario | Final value |
|---|---|
| Base case | $106,639 |
| Lower return (-2%) | $94,111 |
| Higher contribution (+50%) | $149,910 |
| Longer horizon (+10y) | $300,851 |
| Scenario | Final value |
|---|---|
| Base case | $106,639 |
| Lower return (-2%) | $94,111 |
| Higher contribution (+50%) | $149,910 |
| Longer horizon (+10y) | $300,851 |
| Scenario | Final value | Real value | Total contributed | Growth | Difference vs base |
|---|---|---|---|---|---|
| Base case | $106,639 | $79,349 | $70,000 | $36,639 | — |
| Lower return (-2%) | $94,111 | $70,028 | $70,000 | $24,111 | -$12,528 |
| Higher contribution (+50%) | $149,910 | $111,547 | $100,000 | $49,910 | +$43,271 |
| Longer horizon (+10y) | $300,851 | $166,574 | $130,000 | $170,851 | +$194,212 |
Scenarios are descriptive comparisons, not recommendations. None is labelled good or bad.
| Year | Start | Contributions | Interest/growth | Ending balance | Real value | Growth share |
|---|---|---|---|---|---|---|
| 1 | $10,000 | $6,000 | $919 | $16,919 | $16,426 | 5% |
| 2 | $16,919 | $6,000 | $1,419 | $24,339 | $22,941 | 10% |
| 3 | $24,339 | $6,000 | $1,956 | $32,294 | $29,554 | 13% |
| 4 | $32,294 | $6,000 | $2,531 | $40,825 | $36,273 | 17% |
| 5 | $40,825 | $6,000 | $3,148 | $49,973 | $43,107 | 20% |
| 6 | $49,973 | $6,000 | $3,809 | $59,782 | $50,066 | 23% |
| 7 | $59,782 | $6,000 | $4,518 | $70,299 | $57,160 | 26% |
| 8 | $70,299 | $6,000 | $5,278 | $81,578 | $64,398 | 29% |
| 9 | $81,578 | $6,000 | $6,094 | $93,671 | $71,791 | 32% |
| 10 | $93,671 | $6,000 | $6,968 | $106,639 | $79,349 | 34% |
Enter your starting balance, a regular contribution and how often you add it, your assumed annual return and compounding frequency, and a time horizon. Optional fields let you model contribution timing, annual contribution increases, a one-time deposit, inflation, fees, and taxes, or switch on goal mode to solve for what a target requires. Everything calculates in your browser — no sign-in and no personal data collected.
The headline is your estimated future value. Below it, the breakdown separates the money you put in (starting balance plus contributions) from the interest and growth it earned, shows the effective annual rate (APY), the inflation-adjusted real value, total fees and estimated taxes, and how the result compares with plain simple interest. Charts and a year-by-year schedule show how the balance builds, and the Excel model lets you keep the full plan.
A month-by-month schedule drives every figure, so the summary, charts, year table, scenarios, and goal solver always agree.
A $10,000 starting balance with $500 added every month at a 7% annual return, compounded monthly, over 10 years (3% inflation) produces this estimate.
Estimated future value
$106,639
Total contributed (incl. start)
$70,000
Interest / growth earned
$36,639
Effective annual rate (APY)
7.23%
Simple-interest comparison
$97,825
Real value after inflation
$79,349
What changes if the return is different
Same starting balance, contribution, and time horizon — only the assumed annual return changes. Returns are not guaranteed.
Mistake to avoid
Do not compare a nominal future value with today's prices without adjusting for inflation. Here the $106,639 balance is worth about $79,349 in today's money at 3% inflation — roughly a quarter less. Check the inflation-adjusted (real) value before deciding whether a projected balance will actually cover a future goal.
Compound interest is interest earned on both your original principal and the interest that has already been added to the balance. Instead of earning a flat amount each period, your money earns on an ever-larger base, so growth speeds up the longer it runs. This is what people mean by interest-on-interest, and it is the single most important idea in long-term saving and investing.
The opposite is simple interest, which is calculated only on the original principal and grows in a straight line. Over a year or two the two look similar, but over decades the compounding curve pulls dramatically ahead.
This tool runs a month-by-month simulation of your balance. Each month it adds any contribution, applies growth based on your rate and compounding frequency, subtracts any fees, applies tax if you chose to, and records the new balance. The summary numbers, charts, year-by-year table, scenarios, and goal solver all read from that same schedule, so they always agree to the cent.
Because the engine works in months, it can show you both a clean yearly summary and a detailed period-by-period schedule, and it can model contributions, increases, one-time deposits, fees, taxes, and inflation together — things a single textbook formula cannot capture on its own.
For a single lump sum, future value is A = P(1 + r/n)^(n x t). Here P is the starting principal, r is the annual interest rate as a decimal, n is the number of times interest compounds per year, and t is the number of years. The exponent n x t is the total number of compounding periods.
For example, $10,000 at 7% compounded monthly for 10 years is 10,000 x (1 + 0.07/12)^(12 x 10), which works out to about $20,097 — roughly double, with no contributions at all.
Most people do not invest a single lump and walk away — they add money regularly. Each contribution becomes part of the balance and earns its own interest from the moment it lands. The future value of a stream of equal contributions is FV = C x [((1 + i)^m - 1) / i], where C is the contribution, i is the rate per contribution period, and m is the number of contributions.
In the worked example, $500 a month for 10 years is $60,000 of contributions. Combined with the $10,000 start, you put in $70,000 — but the ending balance is about $106,639, meaning roughly $36,639 came from growth.
Compounding frequency is how often earned interest is added back to the balance: annually, semi-annually, quarterly, monthly, daily, or continuously. The more often interest compounds, the slightly higher the effective return, because interest starts earning interest sooner.
The effect is real but usually modest. The frequency comparison chart on this page holds the rate and time constant and varies only the frequency, so you can see exactly how much it changes the outcome — typically far less than a change in rate or time would.
A nominal rate (sometimes shown as APR for borrowing) does not account for compounding within the year. The effective annual rate (EAR), shown as APY for savings, does. The conversion is EAR = (1 + r/n)^n - 1.
A 7% nominal rate compounded monthly is about a 7.23% APY. When you compare two accounts, compare their APYs, not their nominal rates — APY is the apples-to-apples figure. This calculator lets you enter either and shows the resulting APY.
Simple interest pays the same amount every period because it is always based on the original principal. Compound interest grows because it is based on the principal plus all prior interest. The longer the horizon, the wider the gap.
On this page the simple-vs-compound chart plots both paths from the same contributions. In the worked example, simple interest reaches about $97,825 while compound reaches $106,639 — the roughly $8,800 difference is value created purely by compounding.
Time is the most powerful lever in compounding because growth builds on itself. Two people who contribute the same amount can end with very different balances purely because one started earlier and gave their money more years to compound.
A classic illustration: someone who invests for ten years and then stops can sometimes finish ahead of someone who starts ten years later and contributes for far longer, simply because the early money had more time to grow. Starting now, even with a small amount, is often the highest-impact decision.
In the early years of a plan, your contributions make up most of the balance and growth is a small slice. As the balance gets larger, the interest it throws off each year grows too, until eventually a single year of growth can exceed a whole year of contributions.
That is why the balance-growth chart curves upward rather than rising in a straight line, and why patience is rewarded: the biggest gains usually come at the end of a long horizon, not the beginning.
The Rule of 72 is a shortcut for estimating how long money takes to double: divide 72 by the annual return percentage. At 6% money doubles in about 12 years, at 8% in about 9 years, and at 9% in about 8 years.
It is an approximation that works best for rates between roughly 5% and 12%, and it ignores contributions. Use it for quick intuition; use the full schedule on this page for an accurate doubling point.
A balance in the future is not worth as much as the same number today, because prices rise. To compare fairly, you discount the future value back to today's money: Real FV = Nominal FV / (1 + inflation)^t.
In the worked example, the $106,639 nominal balance is worth about $79,349 in today's purchasing power at 3% inflation. Looking at the real value keeps a long-term plan honest about what it will actually buy.
Fees do not just cost you the fee — they cost you all the future growth that money would have earned. A 1% annual fee may sound small, but over decades it can quietly remove a large share of the final balance because it compounds against you every year.
Enter an annual fee percentage or a fixed annual fee to see the impact. Comparing a low-fee and high-fee scenario is one of the most useful things this calculator can show.
Depending on the account and country, growth may be taxed each year as it is earned, taxed only when you withdraw, or sheltered in a tax-advantaged account. Each treatment produces a different after-tax result.
The optional tax setting lets you apply a rate to interest annually or to total growth at the end so you can see an after-tax estimate. It is a simplified model — for your specific tax situation, account type, and jurisdiction, confirm with a qualified professional.
Different goals justify different return assumptions. A savings account or certificate of deposit might pay a low, relatively stable rate, while a diversified long-term investment portfolio has historically averaged more but with year-to-year ups and downs, including losses.
Choose a rate that matches what you are actually modelling, and remember that a higher assumed return also carries higher risk. This tool does not recommend any rate — it simply projects the one you enter.
Start with $10,000, add $500 every month, assume a 7% annual return compounded monthly, and run it for 10 years. You contribute $60,000 over the decade, so with your starting balance you have put in $70,000.
The estimated future value is about $106,639. That means roughly $36,639 — more than a third of the ending balance — came from growth rather than from your own deposits. The effective annual rate is about 7.23%, and at 3% inflation the balance is worth about $79,349 in today's money.
The most common mistakes are ignoring inflation, forgetting fees, assuming an unrealistically high return, and underestimating how much time matters. Another is comparing accounts by nominal rate instead of APY, which hides the effect of compounding frequency.
A good habit is to model a base case and a more conservative case side by side using the scenario tools on this page, so your plan does not depend on everything going right.
This calculator assumes your rate, contributions, fees, inflation, and tax rate stay constant unless you change them. Real returns vary, sometimes sharply, and a single average rate cannot capture the sequence of good and bad years that a real portfolio experiences.
The tax model is a simplified estimate, not a tax return, and it does not account for account-specific rules or contribution limits. Treat every figure as a planning estimate rather than a prediction.
A calculator is excellent for understanding the mechanics and running what-ifs, but it is not a substitute for personalised advice. If you are making a major decision — choosing accounts, planning for retirement, handling a windfall, or weighing tax strategies — a qualified financial or tax professional can account for your full situation.
Use this tool to arrive informed: bring your assumptions, scenarios, and questions, and let a professional help you pressure-test the plan.
The Download Excel model button builds a workbook with six sheets: your inputs, a results summary, a yearly schedule, a full period-by-period schedule, a scenario comparison, and plain-English formula notes. It opens in Excel, Google Sheets, and Apple Numbers.
Use it to keep a record of a plan, to tweak numbers offline, or to share assumptions with a partner or adviser. The CSV download gives you just the schedule, and Copy results gives you a quick text summary to paste anywhere.
Practical ways to use this calculator. Each is a short walkthrough, not financial advice.
The most common use is projecting a regular saving habit. Enter your current balance, the amount you add each month, an assumed rate, and a horizon, and the calculator shows how the balance builds and how much of it comes from growth rather than your own deposits. For example, $200 a month at 5% over 15 years contributes $36,000 but can finish noticeably higher once interest compounds. Try a few rates and amounts to see which lever — saving more or earning more — moves your result the most for your situation.
For long horizons, compounding does most of the heavy lifting, so this tool is useful for a first-pass retirement projection. Set a 20-to-40-year horizon, add your monthly contribution, and use the annual contribution increase to model pay rises over a career. Switch on inflation to see the balance in today's money, which keeps a long plan honest about real purchasing power. For employer matching, vesting, account limits, and withdrawal rules, pair this with a dedicated retirement calculator — those details sit outside a general compounding model.
When you have a target in mind — a house deposit, a sabbatical, a child's milestone — turn on goal mode. Enter the amount you want and solve for the monthly contribution, the return, the time, or the starting balance it would require. The solver flags targets that need an unrealistically high return so you can adjust the plan rather than rely on luck. Treat the required figures as planning estimates: they show what the math demands under your assumptions, not a recommendation to take on more risk.
Saving for education usually has a fixed deadline, which makes the time horizon the key input. Set the number of years until the funds are needed, add your regular contribution, and choose a rate that matches how the money is held — a conservative rate for cash-like savings, a higher (and riskier) one for a long-dated investment account. Because tuition costs tend to rise, switch on inflation to compare the projected balance against future costs in today's money rather than headline figures alone.
An emergency fund is about access and stability rather than maximum return, so model it with a modest, realistic rate and frequent contributions. Use the calculator to see how long steady deposits take to reach a target of, say, three to six months of expenses, and how a high-yield savings rate compares with a near-zero one over a couple of years. The schedule and goal mode together show when your buffer reaches a comfortable level, which is often more useful than the final balance.
The calculator runs a parallel simple-interest track — interest on your principal only, never on prior interest — and plots it against the compound path. The gap between the two lines is the value created purely by compounding, and it widens the longer the money runs. This is the clearest way to see why interest-on-interest matters: over one or two years the difference is small, but over decades the compound curve pulls well ahead. If you only need interest on a fixed principal with no reinvestment, use the simple interest calculator instead.
A future balance buys less than the same number today because prices rise over time. Enter an inflation rate and the calculator discounts the projected balance back to today's purchasing power, shown alongside the nominal figure and on the nominal-versus-real chart. This matters most for long horizons: at 3% inflation, money roughly halves in real value over about 24 years. Looking at the real value stops a long plan from feeling more comfortable than it should and keeps the comparison with future costs fair.
This calculator is a clear planning tool, but some situations need a more specialised model or professional input. It may not be enough for:
For those, a more specific tool may help: Investment Calculator, Retirement Calculator, 401(k) Calculator, Savings Calculator, Simple Interest Calculator, Inflation Calculator, CD / Fixed Deposit Calculator, Loan Calculator.
Compound interest is interest earned on both your original principal and the interest already added to the balance. Because each period earns interest on a larger base, the balance can grow faster over time — the effect often called interest-on-interest.
For a lump sum, future value is A = P(1 + r/n)^(n x t), where P is the starting amount, r is the annual rate, n is how many times a year interest compounds, and t is the number of years. When you add regular contributions, each contribution also earns interest from the time it is deposited, so the final balance is your starting amount plus contributions plus the growth on both.
The core formula is A = P(1 + r/n)^(nt). With regular contributions you add the future value of an annuity: FV = P(1 + i)^m + C x [((1 + i)^m - 1) / i], where i is the rate per contribution period, C is the contribution, and m is the number of contributions.
Yes. Enter a contribution amount and choose weekly, biweekly, monthly, quarterly, or yearly. You can also set whether contributions are added at the beginning or end of each period, increase them by a set percentage each year, stop them after a number of years, and add a one-time deposit.
Yes. A systematic investment plan (SIP) is simply a fixed amount invested at regular intervals, which is exactly what the contribution field models. Set your monthly (or weekly, quarterly, or yearly) amount, choose an assumed annual return and compounding frequency, and the calculator projects the future value. You can also increase the contribution each year and switch the currency display — the math is identical in any currency.
Simple interest is calculated only on the original principal, so it grows in a straight line. Compound interest is calculated on the principal plus previously earned interest, so it grows faster the longer it runs. This calculator shows both side by side, and the gap between them is the value created purely by compounding.
Not exactly. Compound interest describes how a fixed, positive rate grows when earnings are reinvested. An investment return is the actual gain or loss of an asset, which varies year to year and can be negative. This calculator applies one constant rate you choose, so it models the compounding mechanics well but cannot capture real market ups and downs. Treat the rate you enter as a planning assumption, not a guaranteed return.
APY (annual percentage yield) and EAR (effective annual rate) both describe the true annual return after compounding is taken into account. EAR = (1 + r/n)^n - 1. A 7% nominal rate compounded monthly is about a 7.23% APY. APY lets you compare accounts or investments that compound at different frequencies on an equal footing.
Slightly. More frequent compounding adds interest back to the balance sooner, so it starts earning its own interest earlier and the effective annual rate (APY) is a little higher. The gap is usually small next to the rate, contribution amount, and time horizon: at 7% on $10,000, monthly compounding produces about a 7.23% APY versus 7.00% for annual. Use the compounding-frequency comparison chart on this page to see the exact difference for your numbers.
Compounding more often increases the return, but the effect is usually small compared with the rate, the contribution amount, and time. At 7% on $10,000 for 10 years, moving from annual to daily compounding adds roughly a percent or two to the final balance — far less than raising the rate or extending the horizon would.
The Rule of 72 is a quick estimate of how long money takes to double: divide 72 by the annual return percentage. At 8%, money roughly doubles in 9 years; at 6%, about 12 years. It is an approximation for mental math, not an exact figure.
A longer time horizon gives interest more periods to earn interest on itself, so the later years of a long plan often add far more growth than the early years. Starting earlier — even with smaller contributions — can beat starting later with larger ones, because time does much of the work.
Optionally. You can apply a tax rate to interest each year, or to total growth at the end, to see an after-tax estimate. The tax handling is a simplified approximation and does not replace advice from a tax professional for your specific situation and account type.
Yes. Enter an inflation rate and the calculator shows the inflation-adjusted (real) value — what the future balance would be worth in today's purchasing power — alongside the nominal value.
Yes. You can enter an annual fee as a percentage of the balance and a fixed annual fee. Fees are applied proportionally each month and reduce the growth, which over decades can make a meaningful difference to the final balance.
Yes. The Download Excel model button creates a workbook with your inputs, a results summary, the full yearly and period-by-period schedules, a scenario comparison, and formula notes. You can also download the schedule as a CSV or copy a text summary of the results.
Market returns vary year to year and can be negative. This tool assumes a constant return that you enter, which is useful for planning but does not predict what any account or investment will actually earn. Treat the result as an estimate, not a promise.
Yes. The same math that grows savings can grow debt. On credit cards and other loans that compound, unpaid interest is added to the balance and then itself accrues interest, so a balance can grow quickly if it is not paid down. Compounding helps you when you are the saver and works against you when you are the borrower.
A real statement reflects the actual interest your account paid, the exact dates money moved in and out, fees and taxes specific to your account, and — for investments — real market movements. This calculator assumes one steady rate, even contributions, and simplified fees and tax, so it is a clean planning estimate rather than a record of what happened. Small differences are normal: use this tool for projections and your statement for actuals.
No. The math is universal. The currency selector only changes how numbers are displayed and does not apply any country's tax rules, account limits, or interest regulations. Check local rules for the savings or investment account you are modelling.
Maintained by the CalculatorMatters Editorial Team. We are not certified financial planners; this tool is educational and does not provide personal financial advice.
Figures on this page are checked against primary, authoritative sources. Links open in a new tab.
Investment disclaimer
Returns are assumptions, not guarantees. Actual results may vary because of market performance, taxes, fees, inflation, and timing. This is an educational projection, not investment advice.
Built and maintained by Calculator Matters, an independent calculator project. Method checked against published formulas and primary sources · Educational estimate, not professional advice · How we calculate · Found an error? corrections@calculatormatters.com