Tools
Compound Calculator
What a principal plus regular contributions becomes over time — nominal and in today’s dollars, with the contributions/growth split year by year.
Recalculates as you type — contributions are assumed at the end of each period, and the annual return is a nominal rate compounded at the chosen frequency. Set an inflation rate to see balances in today’s dollars.
Projection · 10 years
Final balance
$106,639.02
Final balance (real)
$106,639.02
no inflation set
Total contributions
$70,000.00
incl. principal
Total growth
$36,639.02
34.4% of final balance
Effective annual rate
7.23%
(1 + r/n)ⁿ − 1
Growth of $10,000.00 + $500.00 monthly
Year-by-year schedule
| Year | Contributed | Growth | End balance | Total paid in |
|---|---|---|---|---|
| 1 | $6,000.00 | $919.19 | $16,919.19 | $16,000.00 |
| 2 | $6,000.00 | $1,419.38 | $24,338.58 | $22,000.00 |
| 3 | $6,000.00 | $1,955.73 | $32,294.31 | $28,000.00 |
| 4 | $6,000.00 | $2,530.85 | $40,825.16 | $34,000.00 |
| 5 | $6,000.00 | $3,147.55 | $49,972.70 | $40,000.00 |
| 6 | $6,000.00 | $3,808.82 | $59,781.53 | $46,000.00 |
| 7 | $6,000.00 | $4,517.90 | $70,299.43 | $52,000.00 |
| 8 | $6,000.00 | $5,278.24 | $81,577.68 | $58,000.00 |
| 9 | $6,000.00 | $6,093.55 | $93,671.22 | $64,000.00 |
| 10 | $6,000.00 | $6,967.79 | $106,639.02 | $70,000.00 |
Methodology: the annual return is a NOMINAL rate compounded at the chosen frequency, so the effective annual rate is (1 + r/n)n − 1 (shown in the results). Contributions are assumed at the END of each contribution period (an ordinary annuity); when the deposit and compounding cadences differ, the balance grows by the effective rate over each contribution interval, (1 + r/n)n/m. Contribution indexation steps the deposit up once a year, at the start of each year after the first. Real (today’s-dollars) figures deflate nominal balances by (1 + inflation)t. Returns are applied uniformly — no volatility, sequencing risk, fees, or tax — so treat the projection as an illustration of compounding, not a forecast of any actual investment.
General information only. Uncorrelated Finance provides factual reporting and analysis and does not provide financial product advice within the meaning of s766B of the Corporations Act 2001 (Cth). Nothing here accounts for your objectives, financial situation or needs. Consider obtaining independent advice and read any relevant disclosure document before making a financial decision.