Savings Calculator (with Contributions)

Project savings with monthly deposits and compound interest.

How to use

  1. Enter your values in the fields above.
  2. Press Calculate to see your result instantly.
  3. Use the Share button to copy a link to your result.

About this calculator

This calculator combines two effects: compound interest growing the starting principal, and a future value of annuity calculation for a stream of regular monthly deposits added on top — the full formula is FV = P(1+r)ⁿ + PMT × [((1+r)ⁿ − 1)/r]. This is different from a plain compound-interest calculator, which only handles a single lump sum.

It's used by people saving toward retirement, a house down payment, or an emergency fund who plan to contribute a fixed amount every month, letting them see how much of the final balance comes from their own deposits versus investment growth.

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