Compound Growth Calculator
Project the future value of a balance with recurring contributions and periodic compounding. This is a modelling tool — not a guaranteed return.
INPUTS
RESULTS
| Year | Contributed | Balance |
|---|---|---|
| 1 | $16,000.00 | $16,919.19 |
| 2 | $22,000.00 | $24,338.58 |
| 3 | $28,000.00 | $32,294.31 |
| 4 | $34,000.00 | $40,825.16 |
| 5 | $40,000.00 | $49,972.70 |
| 6 | $46,000.00 | $59,781.53 |
| 7 | $52,000.00 | $70,299.43 |
| 8 | $58,000.00 | $81,577.68 |
| 9 | $64,000.00 | $93,671.22 |
| 10 | $70,000.00 | $106,639.02 |
Method and assumptions
Each period: next balance = current balance × (1 + annual rate / 100 / periods per year) + contribution. Contributions arrive at the end of every selected compounding period. The annual rate is a nominal rate, not an effective annual yield.
Common mistakes and edge cases
Use 1–60 whole years, nonnegative capital and contributions, and a rate above −100%. Negative rates are allowed. The model assumes a constant rate and excludes fees/taxes; it is not a forecast. Monthly contributions apply 12 times per year, not once.
How to use
- Enter the initial amount and any recurring contribution.
- Set the annual growth rate and how often it compounds.
- Set the duration in years to see the projection.
Example
Start with 1,000, add 100 annually, compound annually at 10% for 2 years: first year 1,200; second year 1,420. Contributions total 1,200 and modeled growth is 220.
Frequently asked questions
- Is this an investment prediction?
- No. It is a mathematical model. Actual returns vary and can be negative.
- When are contributions added?
- At the end of each compounding period.
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This tool is provided for general informational and workflow purposes only. It does not constitute financial, investment, tax, or professional advice. All calculations run in your browser; no input data is transmitted or stored.