Savings calculator

Simulate a savings plan with initial capital, monthly deposits and constant effective annual return. Annual table and CSV; excludes tax, costs and inflation.

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Set your data

Initial capital (€)

Monthly contribution (€)

Effective annual return (%)

Duration (years)

Contributions at beginning of month

Result

Enter your data and run the tool. Your result will appear here.

Savings growth

Compare two constant annual rates with the same starting balance, contributions and term. These are hypothetical scenarios before costs and taxes.

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How to use the tool

Fill in these fields: Initial capital (€), Monthly contribution (€), Effective annual return (%), Duration (years), Contributions at beginning of month.
Select “Calculate” to obtain the result.
Compare two constant annual rates with the same starting balance, contributions and term. These are hypothetical scenarios before costs and taxes.
Use the sliders in the calculator with a mouse, touch or the arrow keys. Use the calculator fields for precise values or values outside the sliders’ ranges.

Method and principles

Formula

r = {(1 + \frac{R}{100})}^{\frac{1}{12}} - 1

R is the annual return expressed as a percentage (for example, 5 for 5%); r is the monthly rate as a decimal.

Contribution at month end

B_{m+1} = B_{m} \times (1 + r) + C

Contribution at month start

B_{m+1} = (B_{m} + C) \times (1 + r)

Result details

Result details
Parameter	Value
Contributed capital	€13,000.00
Simulated return	€4,065.21

Practical example

Input

Initial capital (€): 1000
Monthly contribution (€): 100
Effective annual return (%): 5
Duration (years): 10
Contributions at beginning of month: No

Result

€17,065.21

Limits and checks

Limits and checks
Parameter	Value
Initial capital (€)	≥ 0; ≤ 1000000000
Monthly contribution (€)	≥ 0; ≤ 1000000000
Effective annual return (%)	≥ -99.99; ≤ 100
Duration (years)	≥ 1; ≤ 100

Sources and further reading

Investor.gov · Compound Interest