HomeMoneyInvestment growth

Money

Investment growth

A starting balance plus a monthly deposit, grown over time.

The plan

Result

Enter a starting amount or a monthly deposit, a return, and a number of years.

How this works

The balance grows once a month at one-twelfth of the annual return. After that growth, the monthly deposit is added. That is an end-of-month deposit. A 0% return just adds the deposits to what you started with.

The chart is the balance at each year-end. “Growth” is the part that is not money you put in. Markets do not pay a flat return, and this page ignores taxes and fees.

An example

$5,000 already set aside, $200 added at the end of each month, 6% a year, for 15 years. The headline is the ending balance. The rows split that into money you contributed and growth on top.