Estimate how your current savings and regular contributions could grow over time. Choose a return rate, payment frequency, and deposit timing, then compare the projected balance with your goal.
Your projection
Enter your assumptions and select Calculate to see a projection.
Balance projection schedule
Annual totals. The calculation applies each contribution and return period before rounding for display.
| Year | Starting balance | Contributions | Estimated growth | Ending balance |
|---|---|---|---|---|
| Calculate to create the projection. | ||||
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How this future value estimate works
The calculator begins with your current savings. In each period it applies the estimated return and adds the scheduled contribution. You can choose whether deposits occur at the start or end of each period. The annual contribution increase option raises the contribution once each year by the percentage entered.
The displayed annual return is treated as an effective annual rate and converted to the selected monthly, quarterly, or annual frequency. Actual investments do not earn a steady return, and fees, taxes, withdrawals, and contribution limits are not included.
What does “future balance in today’s purchasing power” mean?
It divides the projected future balance by the assumed cumulative inflation over the selected years. This is an illustration of what that future amount might buy in today’s terms; it is not a prediction of inflation.
Why does beginning-of-period timing change the result?
A deposit made at the beginning of a period has more time to earn the modeled return than a deposit made at the end. The difference can grow as the time horizon and return increase.
Is the projected balance guaranteed?
No. The result is a scenario based on your inputs. Investment returns vary and may be negative. This estimate does not represent an account offer, guaranteed return, or personalized investment recommendation.
Important: Educational estimate only; not financial, tax, or investment advice. Review assumptions and consider fees and taxes before making a decision.