Savings Calculator

End-of-month deposits with optional return. Set Expected annual return to 0 for the sum of deposits only (plus any starting balance).

Starting balance Monthly saving Years Expected annual return (%)

Result
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How this calculation works

What each input means

Starting balance — Amount already saved before the first month.
Monthly saving — Deposited at the end of each month.
Years — Projection length (converted to months).
Expected annual return (%) — Nominal rate converted to monthly r = (annual ÷ 100) ÷ 12; use 0 for no growth (contributions only).

Formula used

Month-by-month: balance = balance × (1 + r) + monthly saving for years × 12 months.

Simplified projection—no taxes, fees, contribution limits, or irregular deposits.

How this result is estimated

This savings projection calculator applies the formulas described on this page to the values you enter. Outputs are not financial, tax, legal, or medical advice.

Inputs are user-provided and may include rounding.
Where accuracy, eligibility, or obligations matter, rely on official disclosures and licensed professionals.

Last reviewed: 2026-04-17

Frequently asked questions

Is this calculator result exact?

It is an estimate based on your inputs and may differ from official or provider-specific calculations.

Does this site provide financial, tax, or legal advice?

No. Each tool applies explicit formulas to values you supply. Financial, tax, and legal conclusions belong with licensed professionals and official documents.

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