Savings & investment calculators
See how money grows over time — compound interest, retirement, and savings goals.
These calculators show how money grows through compound interest — earning returns on your returns. Enter a starting balance, a monthly contribution, an expected rate and a time horizon, and you'll see the future value, how much of it is your own contributions versus growth, and a year-by-year breakdown you can download.
Use them to plan retirement, hit a savings target by a deadline, or simply see what regular investing adds up to over 10, 20 or 30 years. Everything runs in your browser, free and private.
Which savings calculator do you need?
General growth and investing: the Compound Interest and Investment calculators project any balance plus contributions into the future.
Retirement accounts: use the Retirement, 401(k) (with employer match) or Roth IRA (tax-free growth) calculator.
Everyday saving: the Savings Calculator shows how deposits compound, the Savings Goal Calculator works backwards to the monthly amount you need to hit a target by a date, and the CD Calculator gives the maturity value of a certificate of deposit.
Frequently asked questions
What is compound interest?
Compound interest means you earn returns not just on your original deposit but also on the interest it has already earned. Over long periods this compounding is what drives most of the growth, which is why starting early matters so much.
What rate of return should I use?
That's your assumption, not a guarantee. Savings accounts and CDs pay a fixed rate you can look up; for stock-market investing many people model a long-run average and also try a lower figure to see a conservative case. These tools show estimates, not advice.
Does contributing monthly really make a big difference?
Yes. Regular contributions are added to the balance and then compound too, so a steady monthly amount often ends up contributing more to the final total than the starting balance does.
Are results adjusted for inflation or taxes?
No — they show nominal growth before inflation and taxes. Tax treatment depends on the account type (a Roth IRA grows tax-free, for example). Treat the numbers as estimates and confirm specifics for your situation.
Last updated: July 2026 · How we calculate