Enter your starting principal, choose "Monthly" as the compounding frequency, set your monthly contribution, interest rate, and years. The calculator compounds each period and adds your contributions automatically.

Try setting a small monthly amount and see how it grows over time.

It's how often interest is applied (annually, monthly, daily). More frequent compounding adds interest more often and can slightly increase growth over long periods.

Use a realistic annual rate based on your investment type and risk tolerance. Conservative rates help avoid overestimating results.

Yes. Pick your preferred currency from the dropdown; calculations stay the same but results are formatted in that currency.

Institutions may use different compounding rules, fees, or rounding. Align the frequency and rate settings to match their assumptions for closer estimates.

Set a target balance and adjust monthly contributions until the final balance meets it. You can also tweak years and rate to see alternative paths.

The "Years to double" metric uses the Rule of 72. Adjust the interest rate to see how it changes; higher rates shorten the time to double.

Set contributions to zero for those years (or reduce them) and see how the trajectory changes. You'll notice slower growth without ongoing deposits.

Yes. Set your starting balance, monthly contributions, expected return, and years to retirement. Include inflation to view purchasing power and tax to see a simplified after-tax estimate.

No. They are estimates based on the inputs you provide. Real-world returns vary with markets, fees, and timing.

Inflation reduces purchasing power. When you enter an inflation rate, the calculator shows an inflation-adjusted balance so you can compare nominal vs. real value.

The tax input applies a simplified percentage to interest earned. It's a high-level estimate, not personalized tax advice.

Your inputs run in the browser; no personal data is saved. If you share a link, the parameters appear in the URL so you can revisit or share that scenario.