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Compound Savings Calculator
Contributions vs. growth over the years, with the chart that explains compounding.
Compounding is interest earning interest. In the early years almost the whole balance is money you put in yourself, which is why the chart looks nearly straight at first and only bends later; the bend is the part that needs time rather than cleverness.
Be careful which rate you type. Deposit accounts are predictable and insured but modest: the national average savings rate was 0.37% and a 12-month CD 1.73% (FDIC national rates, 21 September 2026). Higher figures generally describe investments, where the return is not promised and the balance can fall as well as rise.
Résultats
Saisissez vos chiffres à gauche et appuyez sur Calculer. Rien de ce que vous entrez n'est enregistré.
Voir un exemple concret
- Starting amount$1,000
- Monthly savings$200
- Interest / return assumption (% per year)4%
- Years20
| Year | Balance |
|---|---|
| 1 | $3,485 |
| 2 | $6,072 |
| 3 | $8,764 |
| 4 | $11,565 |
| 5 | $14,481 |
| 6 | $17,515 |
| 7 | $20,673 |
| 8 | $23,960 |
| 9 | $27,381 |
| 10 | $30,941 |
| 11 | $34,646 |
| 12 | $38,502 |
| 13 | $42,515 |
| 14 | $46,692 |
| 15 | $51,038 |
| 16 | $55,562 |
| 17 | $60,270 |
| 18 | $65,170 |
| 19 | $70,270 |
| 20 | $75,578 |
Saisissez vos chiffres à gauche et appuyez sur Calculer. Rien de ce que vous entrez n'est enregistré.
Entrez 0 si quelque chose ne s'applique pas à vous.
Monthly compounding, deposits at month-end, rate held constant: a comparison machine, not a prediction.