Starting money plus deposits.
Let the little deposits
show their work.
Separate what you put in from the growth you estimate. Adjust return, contribution timing, compounding, and inflation without building a spreadsheet.
No financial profile here. The projection runs locally. Amounts, rates, and results are not uploaded or remembered.
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Enter your savings plan
Returns are estimates, not promises. Try a conservative rate and an optimistic rate.
Effective monthly rate: —. Contributions are modeled monthly, even when the return compounds at another frequency.
Projected ending balance
—
Return generated by the model.
Shown in today's purchasing power.
Year-by-year view
Full precision is kept inside the model| Year | Contributions | Est. growth | Projected balance |
|---|
No magic in the chart
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What this model is doing.
Converts to a monthly rate
The annual return and selected compounding frequency are converted into an equivalent monthly rate before each deposit cycle.
Honors deposit timing
A beginning-of-month deposit gets one extra month of modeled growth compared with the same deposit made at month-end.
Adds purchasing-power context
The inflation-adjusted figure discounts the future balance using your inflation estimate. It does not change the nominal ending balance.
Savings questions.
Is the estimated annual return guaranteed?
No. Investment returns vary, losses are possible, and savings-account rates can change. This is an educational projection, not financial, tax, or investment advice.
Why show contributions separately?
It prevents the chart from making all growth look like investment return. You can see exactly how much of the projection comes from your own deposits.
Where can I learn more about compound interest?
The U.S. Securities and Exchange Commission's Investor.gov compound interest resource explains the same core idea and offers an official calculator.