Rates & growth
Compound-growth calculator
FV = P(1+r)ⁿ + PMT·[((1+r)ⁿ −1)/r]. Four inputs show where principal plus steady saving compounds to.
Value at maturity
345,952.66
Total contributed
250,000
Interest
+95,952.66
Growth on contributions
+38.38%
Year by year
| Year | Value | Contributed | Interest |
|---|---|---|---|
| 1 | 35,287.90 | 34,000 | +1,287.90 |
| 2 | 62,135.51 | 58,000 | +4,135.51 |
| 3 | 90,639.02 | 82,000 | +8,639.02 |
| 4 | 120,900.56 | 106,000 | +14,900.56 |
| 5 | 153,028.56 | 130,000 | +23,028.56 |
| 6 | 187,138.15 | 154,000 | +33,138.15 |
| 7 | 223,351.55 | 178,000 | +45,351.55 |
| 8 | 261,798.51 | 202,000 | +59,798.51 |
| 9 | 302,616.79 | 226,000 | +76,616.79 |
| 10 | 345,952.66 | 250,000 | +95,952.66 |
What each term in the formula means
P(1+r)ⁿ compounds the starting principal; PMT·[((1+r)ⁿ −1)/r] is the future value of level contributions (an annuity). The per-period rate r is the annual rate ÷ compounding periods per year, and n is years × periods.
In the table, 'interest' is value minus contributions. Early growth is mostly your own money; later the interest starts earning its own interest — the visible compounding kink.
Frequently asked
What annual return is reasonable?
It is an assumption, not a forecast. Common backtests use 5–8% for broad equity indexes and 1–3% for deposits/cash funds — try several rates to see sensitivity.
Can monthly contribution be 0?
Yes — the tool then reduces to a single-sum FV = P(1+r)ⁿ.
Which compounding frequency should I pick?
Monthly fits monthly-saving plans best. With yearly or quarterly compounding, monthly contributions are converted to equivalent per-period amounts.
Is the projected total guaranteed?
No. A constant rate is assumed while real returns are uneven — treat it as a what-if ruler, not a forecast.
Compounded at a constant assumed rate; fees, taxes and volatility not included. Estimates only, not investment advice.