How this calculator works
It assumes a constant annual return, compounded monthly, and a contribution at the end of each month. The starting balance has more time to compound; every monthly contribution has less time, but adds to the final result.
How to use the estimate
Try a conservative return, then a more optimistic one. Compare what happens when you add a little more each month or give the balance another five years. The point is to see the relationship between time, saving rate, and compounding—not to predict a precise future balance.
What this does not include
Real returns vary. Investment fees, taxes, inflation, withdrawals, and changes in contribution amount can all materially change the result. A positive historical return is not a guarantee of a future return, and this calculator is not financial advice.
Why monthly contributions matter
A recurring contribution can matter as much as the assumed rate because it increases the money that has a chance to compound. If the result looks unrealistic, use a lower rate or a shorter time horizon and compare again.
Questions to ask before investing
Before acting on a projection, consider your savings buffer, debt, time horizon, risk tolerance, fees, and tax situation. A calculator can make a tradeoff visible, but it cannot decide which risks are appropriate for you.