How this calculator works & sources ↓
See how a starting amount plus regular contributions compounds over time — adjust the return to see how sensitive the outcome is.
Switching region updates the currency and swaps in typical starting figures for that country — every number stays fully editable.
See how a lump sum and steady monthly contributions could grow through compound interest.
Contributions vs positive growth (losses shown in totals)
Want to turn this into a full plan? Grab the free Budgeting Checklist — a checklist plus 3 worksheets to put these numbers to work.
Get the free checklist →There is no single appropriate return assumption. Try several hypothetical rates to see how sensitive the result is. The rate you enter is an illustration, not a forecast: actual investment returns can be lower or negative, and fees, tax and inflation can reduce outcomes.
It uses the same compounding math, but without tying it to a specific retirement age — useful for any goal with a flexible timeline, like a house deposit or a general investment pot.
No — it's a simplified gross growth estimate. Investment fees, account charges, and any tax on gains or withdrawals will reduce the real-world result.
Grab the free Budgeting Checklist below — a checklist plus 3 fill-in worksheets, delivered straight to your inbox.
Uses compound-growth projections based on the starting balance, contributions, duration and assumed return. Returns are hypothetical, not guaranteed, and may exclude taxes and fees.
Sources and further reading: MoneyHelper investing