A little clarity. A better plan.

Finance calculator

Explore how your money grows, one year at a time.

Your numbers

USD

I'd like to find

Choose the answer you need.

Starting amount

What you have to start with. Zero is fine.

Annual interest rate

Compounded once per year.

Number of years

A whole number from 1 to 1200.

Each year I'm

Adding Taking out

Amount per year

Enter an amount. Choose Taking out for withdrawals.

Contributions made at

start of each year end of each year

Start: your first contribution goes in today. End: after the first year.

Account for inflation Optional

Inflation

% per year — shows a second answer in today's dollars

Your outlook

Example

You put in: —
Taken out: —
Interest earned: —

Your balance over time

Explore the chart

A constant rate and regular contributions. A clear view of the possibilities.

The details, year by year

All amounts in USD

Your year-by-year balance, including contributions and interest.
Year	Starting balance	Contribution	Interest	Ending balance

What this calculator is for

This finance calculator helps you explore the balance you could build from a starting amount and regular contributions. Adjust the rate and time to see your savings growth, and how much comes from your own money.

Use this financial calculator to find a future value, the amount to add, a required rate, or the time it takes to reach a goal. You can also explore regular withdrawals and see when your balance would run out. A constant rate is an assumption, not a prediction.

How to use it

Choose the answer you need and enter your starting amount.
Set a rate and a whole number of years. Choose Adding or Taking out, then enter the amount.
Choose start or end of each year. Start includes a contribution today; end waits until the first year is complete.
When finding a rate, time, or contribution, enter your Goal balance. Open the inflation option to see an ending balance in today's dollars.
Use Advanced when your numbers are already expressed per period. The calculator keeps your numbers when you switch modes; it does not convert rates or durations.

How it is calculated

Compound interest applies the same rate to the balance each step. Basic uses one year per step; Advanced uses one period. Each contribution earns interest from the time you add it. Withdrawals are limited to the money available.

The time value of money formula combines the growth of the starting balance with the growth of each contribution. Handheld calculators call these starting value (PV), ending value (FV), payment (PMT), number of periods (N), and interest rate (I/Y). Calculations retain their precision; displayed amounts are rounded.