Savings Growth Calculator
Estimate how a starting balance and regular contributions may grow with a constant annual return.
Related calculators
Comparing a decision often takes more than one number. Try a linked tool next.
How savings growth adds up
Savings grow from two sources: the money you add and the return earned on the balance you have already built. Early on, your own contributions do most of the work. Over time, growth on prior growth — compounding — becomes a larger share of the total. That is why starting earlier, even with small amounts, tends to matter more than waiting to contribute more later.
What each input means
- Starting balance is what you already have set aside today.
- Monthly contribution is the amount you add at a steady pace each month.
- Annual return is the assumed constant yearly growth. Real returns move up and down, so this is a simplification.
- Duration is how many months you keep contributing and letting the balance grow.
Reading the result
The breakdown separates what you contributed from the estimated growth so you can see how much of the ending balance came from the market versus your own deposits. Try nudging the return up or down by a percentage point to see how sensitive the projection is — small rate changes compound into large differences over long periods.
This projection ignores taxes, fees, and inflation, so the real spending power of the ending balance will be lower. Use it to compare scenarios, not to predict an exact future number.