Compounding calculator
A monthly return compounded, with uneven months.
Free risk tools
Savings goal calculator
How much to put in each month to reach a sum by a date, and how much of it the growth pays.
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- Free
- No sign-up
- Nothing you type is stored
The goal
Each month
To reach $100,000.00 in 10 years at 6% a year, put in $505.26 a month on top of the $10,000.00 you start with.
- Your money and the growth
- $70,631.34 put in over 120 months; growth adds $29,368.66.
The monthly deposit the same goal needs at other yearly returns.
| Return a year | Each month | Put in all told |
|---|---|---|
| 0% | $750.00 | $100,000.00 |
| 2% | $662.23 | $89,468.02 |
| 4% | $580.78 | $79,693.19 |
| 6% | $505.26 | $70,631.34 |
| 8% | $435.31 | $62,237.77 |
| 10% | $370.57 | $54,467.82 |
Education only, not investment advice. The answer comes from the numbers you typed in, not from your account or the market. Simulated results are hypothetical and have limits: real trading has slippage, gaps, changing results and emotions. Trading leveraged products can lose money quickly, including all of it. Risk warning
Educational only, not financial advice; trading involves risk.
Time does more than the rate
Reaching 100,000 in ten years from 10,000 at 6% a year takes about 505 a month. With no growth at all it would take 750. The longer the time, the more of the goal the growth pays, which is why starting earlier usually beats chasing a higher return. The return you type is a guess: a real account moves up and down on the way.
To see a balance grow month by month, use the compounding calculator; to check what the sum will buy, the real return calculator.
Not advice. Arithmetic on the numbers you type; fees, taxes and uneven returns are left out.
Next tools
Real return calculator
A return after inflation, in today's money.
CAGR calculator
The yearly growth rate from start to end, and time to double.
Pricing
Three ways in. Pick yours.
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Baroq never holds your money and never trades for you. Educational only, not financial advice; trading involves risk.