Estimate future savings, deposits and interest or solve a target balance with a compact yearly breakdown.
01 / SAVINGS MODE
02 / SAVINGS PLAN
Contributions are made at the end of each month or year. For annual compounding with monthly deposits, each deposit earns fractional-year growth from its month-end date; annual results use the effective annual rate. Goal payments are rounded up to a currency unit to meet the goal. No tax or inflation adjustments.
03 / YOUR RESULT
04 / YEARLY BREAKDOWN
| Year | Total deposited | Interest this year | Ending balance |
|---|---|---|---|
| 1 | $12,400.00 | $567.39 | $12,967.39 |
| 2 | $14,800.00 | $719.21 | $16,086.60 |
| 3 | $17,200.00 | $878.79 | $19,365.39 |
| 4 | $19,600.00 | $1,046.54 | $22,811.93 |
| 5 | $22,000.00 | $1,222.87 | $26,434.80 |
| 6 | $24,400.00 | $1,408.23 | $30,243.03 |
| 7 | $26,800.00 | $1,603.06 | $34,246.09 |
| 8 | $29,200.00 | $1,807.87 | $38,453.96 |
| 9 | $31,600.00 | $2,023.15 | $42,877.11 |
| 10 | $34,000.00 | $2,249.45 | $47,526.55 |
05 / CALCULATION
Monthly compounding factor: 1 + annual rate ÷ 1,200. Annual compounding equivalent monthly factor: (1 + annual rate ÷ 100)^(1/12). Yearly deposits are added only at year end. Goal mode solves the required periodic contribution from the same schedule.
Savings estimates stay in your browser. Currency changes display only; no exchange rates or external financial data.
Enter the values you want to compare; processing happens in your browser.
Adjust optional settings and review validation feedback before relying on the estimate.
Review the formulas and equivalent values, then copy the result you need.
Enter starting balance, contribution or goal, frequency, annual rate, compounding schedule and whole years. Deposits happen at the end of each selected period.
Monthly/yearly deposits and compounding, zero-interest cases, reverse goal contributions and year-by-year balances without external data.
Savings assumptions remain in your browser. Estimates exclude taxes, inflation and external financial data.
Recurring contributions are deposited at the end of each month or year, after that period's growth. An annual deposit earns interest starting in the following year.
The calculator uses a fractional-year effective growth factor at month boundaries, so each month-end deposit earns growth for its remaining fraction of the year.
Yes. Goal mode solves the end-of-period monthly or yearly contribution needed after considering the starting balance and growth; it rounds up to currency precision.
With zero interest, the result is the starting amount plus deposits. With zero deposits, the starting balance alone grows under the chosen interest assumptions.
If the existing balance grows to at least the goal without deposits, the required contribution is zero. An unreachable goal needing over one billion per deposit is rejected.
No. It uses only the annual rate you enter; no inflation, taxes, external financial data or uploads are involved.