Savings Calculator
Estimate how an initial balance plus monthly contributions grow over time.
Inputs
Result
Future value
$32,703.47
Contributions: $25,000.00 · Interest: $7,703.47
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Visual breakdown
You contributed $25,000.00 — 76%
Interest earned $7,703.47 — 24%
Formula
FV = P(1+r/12)^(12t) + M·((1+r/12)^(12t) − 1)/(r/12). Monthly compounding assumed.
Example
$1,000 + $200/mo at 5% for 10y ≈ $32,776.
Related: Interest · Loan payment · Mortgage
Common examples
$500/mo @ 5%, 10y
≈ $77,640 saved.
$200/mo @ 6%, 5y
≈ $13,950 saved.
$1,000/mo @ 4%, 20y
≈ $367,000 saved.
Frequently asked
When is the deposit added?
End of each month (ordinary annuity). Real banks vary slightly by posting date.
Inflation?
Not subtracted. Use a real (inflation-adjusted) rate to see purchasing power.
Taxes & fees?
Not included. Net growth depends on account type, fees and local taxes.
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More money & work →Estimates only — not financial advice. Real returns vary with rate changes, fees and taxes.