Compound growth calculator

How long

Years invested

Time is the single biggest driver of compound growth, ahead of the rate.

What you are investing

My investment

$224,346

What you call it

Starting amount

Yearly return, percent

Account

What that percentage is

A yearly return, as on a statement or fund fact sheet. Compounding is already in it.An interest rate, as advertised on a savings account or GIC.

I add money regularly

How you contribute

A set amountA percentage of each paycheque

Amount each time

How often

When it goes in

At the end of the periodAt the start of the period

Money paid in at the start earns growth that period. Over decades the difference is real.

That is $300 every month, or $3,600 in the first year.

Make it realistic

Each switch adds a layer that makes the number smaller and truer. Leave them off for the textbook answer, turn them on for the one you will actually live.

TaxAccount type, tax paid while invested, and tax on the way out.

Fees and inflationWhat the fund charges, and what the total is worth in today's money.

Raises, employer match and a rangeContributions that grow with your pay, and a band around the answer.

What you could have

In 25 years, you could have

$224,346

Where it comes from

Your money in$95,000
Growth$129,346

Year by year

Balance at the end of each year
Year	You put in	Growth	Total
1	$8,600	$398	$8,998
2	$12,200	$1,036	$13,236
3	$15,800	$1,928	$17,728
4	$19,400	$3,090	$22,490
5	$23,000	$4,537	$27,537
6	$26,600	$6,287	$32,887
7	$30,200	$8,358	$38,558
8	$33,800	$10,770	$44,570
9	$37,400	$13,542	$50,942
10	$41,000	$16,696	$57,696
11	$44,600	$20,256	$64,856
12	$48,200	$24,245	$72,445
13	$51,800	$28,690	$80,490
14	$55,400	$33,617	$89,017
15	$59,000	$39,056	$98,056
16	$62,600	$45,038	$107,638
17	$66,200	$51,594	$117,794
18	$69,800	$58,760	$128,560
19	$73,400	$66,571	$139,971
20	$77,000	$75,067	$152,067
21	$80,600	$84,289	$164,889
22	$84,200	$94,281	$178,481
23	$87,800	$105,087	$192,887
24	$91,400	$116,759	$208,159
25	$95,000	$129,346	$224,346