What this tool does
Compounding is how small consistent returns turn into large accounts over time. This calculator projects your balance month by month given a starting amount, an expected monthly return, and optional monthly deposits. It shows the power of compounding — and how much return you actually need to reach a goal.
How to use it
- Enter your starting balance.
- Enter your expected monthly return as a percentage (be realistic — even 3-5% monthly is strong).
- Enter how many months to project.
- Optionally add a fixed monthly deposit.
- Read the month-by-month table and final balance.