Compound interest and savings schedule

Model monthly contributions at the beginning or end of each month, contribution growth and inflation. Compare contributions with the projected balance on a yearly chart.

A monthly model for 0–100 whole years. Nominal rate is divided by 12; effective annual rate is converted to an equivalent monthly rate. Contribution growth applies once each year.

Annual rate convention

Monthly contribution timing

Starting amount

Monthly contribution

Annual rate, %

Whole years

Annual contribution change, %

Annual inflation, %

Rates are assumptions, not guaranteed returns. No withdrawals, fees or taxes are modelled. Inflation-adjusted balance is in starting-year purchasing power, not a second cash balance. Actual bank posting rules may differ.

Quick start

Model monthly contributions at the beginning or end of each month, contribution growth and inflation. Compare contributions with the projected balance on a yearly chart.

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Compound interest and savings schedule