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Investing

Savings & investment growth

Project how recurring contributions and compounding may grow a balance — HYSA, bonds, stocks, or a mix — over time.

Your details

Starting balance — cash in a savings account, brokerage, or portfolio today before new contributions.
$
Amount you add each contribution period (for example every month). Set to 0 to project growth on the initial amount alone.
$
Contribution frequencyHow often contributions are made. Compounding uses the same interval — monthly contributions compound monthly.
How long to project growth. Longer horizons give compounding more time to work.
Assumed average yearly return before taxes and fees. Use a lower rate for cash/savings and higher for stocks — not a guarantee.
%
Average historical returnsQuick presets for common asset types. These are rough long-term averages for illustration — past performance is not a forecast.

Illustrative long-term averages — not a forecast. Returns compound at your contribution frequency.

Projected balance

$1,328,618

After30years at10%Monthly

Breakdown
Total contributed$190,000
Growth from returns$1,138,618
Frequently asked questions

Read how compound interest works

How is growth calculated?

Each period, your balance grows by the periodic return (annual return ÷ periods per year), then your contribution is added. This calculator assumes contributions at the end of each period and compounding at the same frequency as your contributions.

Can I use this for savings, stocks, and other accounts?

Yes. Use the return presets or enter your own rate — savings and HYSA for cash, bonds for fixed income, balanced or stocks for portfolio-style projections. This is a simplified model with a steady return, not a year-by-year market simulation.

What contribution frequencies are supported?

You can choose daily, weekly, bi-weekly, monthly, quarterly, semi-annual, or annual contributions. The compounding interval matches your contribution frequency — for example, weekly contributions compound weekly.

What return rate should I use?

Use the presets as starting points: savings ~4.5%, bonds ~5%, balanced portfolio ~7%, stocks ~10%, or aggressive ~12%. Actual returns vary widely. Pick a rate that fits what you are modeling, not a guarantee.

Does this account for taxes or inflation?

No. Results show nominal growth before taxes, fees, and inflation. Expand the breakdown to compare total contributed vs growth from returns. For purchasing power over time, use the Future Inflation calculator.

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