Financial decision guide and interactive simulator

Compound interest calculator

How do time, contributions, return and inflation shape future savings?

What this calculation is designed to show

Compounding earns growth on previous growth as well as deposits. Regular contributions and time can be more influential than choosing an optimistic return, while inflation reduces future purchasing power.

How to test the decision

Compare starting now with delaying contributions, then lower the return and raise inflation. Read the nominal balance beside its value in today's money and remember that market returns are not smooth or guaranteed.

Using the result responsibly

Change one important assumption at a time and compare a cautious case with the expected case. The interactive calculator below updates from the values you enter. Its output is an educational estimate, not financial, tax, legal or investment advice.

Read the calculation methodology or learn about The Finance Check.