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Savings Growth Planner

Play with time, contributions and a modeled return to see where your money could go—and exactly where the result comes from.

savings

Build the scenario

$
$
%
A scenario assumption, not a promise.
years
Projected balance$21,685after 5 years
Modeled growth$2,685above money contributed

Milestones

Watch the curve develop
Year 1Balance after contributions and modeled growth.
$4,735
Year 2Balance after contributions and modeled growth.
$8,661
Year 3Balance after contributions and modeled growth.
$12,787
Year 4Balance after contributions and modeled growth.
$17,125
Year 5Balance after contributions and modeled growth.
$21,685
Calculation

How we got there

Starting moneyAlready in the account at the beginning.
$1000.00
New contributions$300.00 × 60 monthly contributions.
$18000.00
Modeled growthProjected balance minus starting money and contributions.
$2685.18
Projected balanceAfter 5 years at a modeled 5.00% annual rate.
$21685.18
Calculator guide

How to use the Savings Growth Planner

Explore how starting savings, monthly contributions, time and a modeled return combine over time.

01Set inputsChoose values, units and assumptions.
02Apply the modelEach month: balance = previous balance × (1 + monthly rate) + monthly contribution.
03Read the resultCheck the output against the assumptions before using it.
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What this calculator does

The planner simulates the account month by month and separates starting money, new contributions and modeled growth so the effect of time is visible.

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Formula & method

Each month: balance = previous balance × (1 + monthly rate) + monthly contribution.

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Assumptions & notes

  • The return is a scenario assumption, not a guarantee.
  • Monthly contributions are modeled at the end of each month.
  • Taxes, fees and account-specific rules are not included.
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