Computavi

Savings tools

How could regular saving add up?

Project a starting amount and regular additions under an assumed yearly return. Separate your own money from growth.

The return is a constant assumption, not a promise. Use the same currency throughout; no taxes or inflation are included.

Savings growth calculator inputs

Use the same currency throughout. Enter numbers without commas or currency symbols, for example 1000.50. Amounts allow two decimal places; rates allow six.

Your starting point

Money already saved or invested. Enter 0 if you are starting from nothing.
Added at the end of every month. Enter 0 for no additions.
An effective annual return before the fees shown here. This is an assumption, not a forecast; returns can be negative.
Use a whole number from 1 to 600. For 5 years, enter 60.

Calculate once. After that, valid edits update your result automatically.

Understand this estimate

The return is a constant assumption, not a promise. Use the same currency throughout; no taxes or inflation are included.

Worked example

Starting with 1000 and adding 100 at the end of each month for 12 months at 0% gives 2200. With no additions, 1000 at a 21% effective annual return becomes 1210 after 12 months.

How we calculate this

The assumed return is effective per year. The monthly growth factor is (1 + yearly return / 100) raised to 1/12.

Each month earns growth on its starting balance, then pays any modelled fees, then receives contributions or makes withdrawals at month end.

Projections retain fractional cents internally and round only for display. Displayed rows can differ by a cent when added. Amounts above 10000000000000 are unsupported. Actual returns vary; tax, inflation and product rules are excluded unless explicitly entered.

Sources explain the underlying concepts; this calculator uses the conventions described above. It does not recommend a financial product.

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