See how your savings snowball over time. Enter a starting amount, a monthly contribution, an expected annual return and a time horizon to watch compound interest do the heavy lifting.
The projection separates your contributions from estimated growth. The assumed return is constant and is not guaranteed.
A visual summary that updates with your calculation.
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The examples assume a constant annual rate compounded monthly, regular end-of-month contributions, and no tax, fees, withdrawals or inflation.
The projected future value is $142,438.10. Contributions total $53,000; the remainder is projected growth, not guaranteed profit.
The projected future value is $67,357.77 under the stated assumptions.
The projected future value is $16,470.09 with monthly compounding.
This calculator gives an instant estimate from the values entered above. Use the result as a planning starting point, then review the assumptions and limitations.
Enter the requested values using consistent units. Change one input at a time when comparing scenarios, and verify every value before using the result.
The estimate uses the values currently entered and the formula described on this page. Any fees, taxes, timing rules or personal circumstances not requested are excluded.
This calculator projects how a starting balance and regular contributions may grow when returns are compounded.
Future value of a lump sum: FV = P(1 + r/n)^(nt). Regular contributions are added using the selected contribution timing.
$10,000 growing at 5% compounded monthly for 10 years becomes about $16,470 before tax and fees, without extra deposits.
The projection separates money contributed from estimated growth, helping show how rate and time affect the result.
The rate is assumed constant and is not guaranteed. Inflation, taxes, investment fees, market losses and contribution timing can materially change actual results. Currency is only a display unit.
Method reference: Investor.gov compound interest calculator. Fynzo explains and implements the calculation independently; the linked organization does not endorse this website.
Reviewed by: Yasser Chahir, Fynzo editor. Last reviewed: July 31, 2026.
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