Compound interest and savings plan
Simulate compound interest with monthly contributions and an annual breakdown.
Set starting capital, monthly contribution, years and a hypothetical effective annual return. Choose end- or beginning-of-month contributions.
Result
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Method, examples and limits
The monthly rate is (1 + r)^(1/12) − 1, where r is the annual decimal rate. Each month growth is applied before the contribution, or after it for beginning-of-month deposits. €1000 at 5% annually with no contributions becomes €1050 after one year. The table separates contributions and returns. Taxes, fees and inflation are excluded; constant returns are an assumption, not a forecast or guarantee. Duration: 1–100 years.
Reference sources
Frequently asked questions
Is the savings-plan return guaranteed?
No. This is a simulation using a hypothetical constant rate, excluding taxes, fees and inflation.
Is this data saved?
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