Savings Calculator

The Savings Calculator visualizes future wealth through compound interest on regular monthly deposits. It supports initial lump-sum deposits and uses the standard annuity formula FV = PMT × ((1+r)^n - 1) ÷ r to accurately calculate final balances from your monthly contributions, interest rate, and savings period.

The "Year-by-Year Progression" table displays changes in principal, balance, and earned interest throughout your savings period, allowing you to intuitively see how compound interest grows over time. The "Interest Breakdown" chart visualizes the ratio of principal to interest earned, letting you feel the power of long-term compound growth.

Works for index funds, retirement accounts (like iDeCo), savings accounts, and other regular investment plans. One-click preset rates for common scenarios make scenario comparison simple. Experiment with different amounts, rates, and timeframes to find your optimal savings strategy.