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Simple Savings Calculator

Updated : Sept 29, 1999 - Use average balances, not ending balances for compounding. I was previously using ending balance compounding instead of average daily balances which made annual compounding look beneficial over monthly compounding. No savings institution would do ending balance compounding, or depositors would just dump in money right before the interest is accrued. So I changed this to look more like reality.

This doesn't deal with inflation, taxes or any of that complicated stuff. This is just a simple calculator that lets you start with an amount of money and make regular monthly deposits, and see how much it grows. For more complicated scenarios, see my tax deferred anuity calculator or my prepayment versus investment comparison.

You can have either of the two inputs zero (but if both are zero, it won't be all that informative, now would it?)

Initial Amount
Monthly Deposit
Annual Interest (Compounded
Number of Years:


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