What could your savings actually become? Enter what you would put away, pick a rate, and see your projected balance year by year. Everything runs in your browser — nothing is uploaded or stored.
Your projected balance
$—
Total you put in—
Interest earned—
Year-by-year growth
| Year | Contributions | Interest | Balance |
|---|
Show the math
With monthly compounding, each month your balance grows by one twelfth of your annual rate, then your monthly contribution is added on top. With annual compounding, the full rate applies once a year and your monthly contributions are added at year-end.
Example: $1,000 to start, $100 a month, 7% a year, compounded monthly, for 10 years → about $19,318. You put in $13,000; interest did the other $6,318.
A planning estimate, not financial advice. Real returns vary, and this calculator ignores inflation, taxes, and fees.