Understand the result
See how contributions and compounding work together
A growth projection is more useful when it shows what you put in and what the assumed return contributes. This calculator tracks both throughout the projection.
Contribution timing makes a small difference over long periods because beginning-of-month deposits get one additional month of modeled growth.
Useful ways to test the plan
- Compare $100, $500, and $1,000 monthly contributions.
- Run a lower, middle, and higher return scenario.
- Compare 10, 20, and 30 years to see the effect of time.