Savings Growth Calculator

Visualize how contributions and compounding grow your savings — with inflation-adjusted (real) value.

Compound interestAnnuity vs DueInflation-adjusted

Inputs

Starting Balance

Monthly Contribution

Years

Annual Return (%)

Compounding

Inflation (%/yr)

Annual Step-Up of Contribution (%)

Contribute at beginning of period

Composition at horizon

Ordinary

End-of-period (ordinary) vs beginning-of-period (annuity-due) contributions change how long cash is invested. Annual step-ups apply at the start of each new year. The “Real” line shows purchasing power after inflation.

Compound interestAnnuity vs DueInflation-adjusted

Results

Nominal Future Value

$389,257.95

Includes growth on starting balance and contributions.

Real (Inflation-Adjusted) Value

$215,522.69

Deflated by cumulative inflation over the horizon.

Total Contributions

$145,784.22

Total Earnings

$233,473.73

For beginning-of-period contributions (annuity-due), contributions are applied before growth each period; for ordinary annuity, after growth. Yearly step-ups apply at the start of each new year.