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Results are estimates only and should not be considered financial or medical advice. Always consult a qualified professional.

  1. Home
  2. /Compound Savings Calculator

Compound Savings Calculator

See how a starting balance plus regular monthly deposits grows over time with monthly compounding interest.

$
$
%
yrs

Results

Future Value

$160,316.74

Total Contributions

$73,000

Interest Earned

$87,316.74

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Growth by Year

YearContributionsBalanceInterest Earned
1$4,600$4,790.07$190.07
2$8,200$8,854.12$654.12
3$11,800$13,211.96$1,411.96
4$15,400$17,884.82$2,484.82
5$19,000$22,895.5$3,895.5
6$22,600$28,268.39$5,668.39
7$26,200$34,029.69$7,829.69
8$29,800$40,207.47$10,407.47
9$33,400$46,831.85$13,431.85
10$37,000$53,935.1$16,935.1
11$40,600$61,551.85$20,951.85
12$44,200$69,719.22$25,519.22
13$47,800$78,477$30,677
14$51,400$87,867.88$36,467.88
15$55,000$97,937.64$42,937.64
16$58,600$108,735.33$50,135.33
17$62,200$120,313.59$58,113.59
18$65,800$132,728.85$66,928.85
19$69,400$146,041.6$76,641.6
20$73,000$160,316.74$87,316.74

Compounding monthly at 7.00% per year. Results are estimates, not financial advice.

Results are estimates only and should not be considered financial advice. Always consult a qualified professional before making financial decisions.

Formula

FV = P(1+i)^n + PMT × ((1+i)^n − 1)/i

Worked Example

$1,000 now plus $300/month at 7% annual interest for 20 years: total contributions $73,000 grow to about $155,600, with roughly $82,600 earned in interest.

Frequently Asked Questions

How do monthly contributions grow differently than a single deposit?
A single deposit grows only from compounding. When you add regular monthly contributions, each new deposit also starts earning interest — so your balance grows from three sources: your deposits, interest on deposits, and interest on interest.
What's the difference between this and the compound interest calculator?
The compound interest calculator projects a single lump sum. This compound savings calculator adds recurring monthly deposits, making it the right tool for automatic monthly investing or saving.
What return should I assume?
For cash savings, use the current high-yield savings rate (often 3–5%). For long-term stock investing, a historical average near 7–10% per year is common, but actual returns vary and are never guaranteed.
Is monthly compounding better than annual for savers?
Yes. Compounding monthly versus annually at the same nominal rate earns slightly more because interest is credited and starts earning interest more frequently. The gap is small but grows over longer terms.
How much do I need to save monthly for retirement?
A widely used guideline is 15% of gross income. Your exact amount depends on your lifestyle, age, and expected return. This calculator lets you model your specific monthly deposits.
Does this account for inflation?
No. The results are in today's dollars. To model real purchasing power you would need to subtract expected inflation (for example 2–3%) from the nominal return.

Related Tools

Compound Interest CalculatorSavings Goal CalculatorRetirement Calculator

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