Compound growth calculator
Put in what you're starting with, what you add every month and a yearly return, and you'll see how much of the ending balance is your own money… and how much is growth on top of growth.
After 25 years
$0
- Your money in
- Growth
- Crosses $100K
Your money Growth
Year-by-year table
| Year | Your money in | Growth | Balance |
|---|
How the math works
Every month, your balance grows by one twelfth of the yearly return, and then your monthly contribution gets added. So the growth in year 20 is growth on your contributions and growth on all the growth from years 1 through 19, which is basically just what compounding means.
Real returns don't show up as a smooth 8% every year. Some years the market is down 20% and some years it's up 25%, so treat this as a picture of how compounding works, not a forecast of what you'll have. It also ignores taxes, fees and inflation.
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An estimate for learning, not a prediction or advice. Nothing you type leaves your browser. Full disclaimer.