See how savings and contributions can grow over time. Enter an initial amount, interest rate, contribution schedule, and term. Optional tax and inflation adjustments help compare a nominal estimate with an after-tax, inflation-adjusted value.
Flexible compounding • Monthly or annual deposits • Annual and monthly schedulesYour estimate
Balance growth
| Period | Contributions | Interest | Ending balance |
|---|
Accumulation schedule
| Period | Deposit | Interest after tax | Ending balance |
|---|
This estimate assumes a fixed rate and regular deposits. Actual account terms, fees, taxes, and inflation may differ.
How the interest calculator works
Interest is the cost of borrowing money or the return earned on money saved or invested. With compound interest, earned interest is added to the balance, so later interest can be earned on both the original amount and earlier interest.
What you can compare
- Initial investment: the amount invested at the start.
- Contributions: optional recurring deposits made monthly or annually.
- Compounding: how often interest is applied. Continuous compounding uses the mathematical continuous-growth formula.
- Contribution timing: beginning-of-period deposits have an extra period to grow compared with end-of-period deposits.
How is the ending balance calculated?
The calculation applies the selected nominal annual rate at the chosen compounding frequency, then accounts for recurring contributions and their timing. Results are estimates and are not a guaranteed return.
How do tax and inflation options work?
When selected, estimated tax is applied to interest credited each month. Inflation adjustment divides the future balance by the cumulative inflation factor to express an estimated value in today’s purchasing power. Tax and inflation inputs are simplified assumptions and are not country-specific tax advice.
What does the schedule show?
The monthly schedule shows each deposit, interest credited after any selected tax adjustment, and the closing balance. The annual schedule groups those monthly figures by year.
Use the result as a planning estimate. Investment returns can vary, and you may receive less than you invest.