Compound growth calculator
Put in what you have, what you can add each year, and a return you think is realistic. It shows how much of the final figure is money you contributed and how much is growth — which is usually the surprising part.
Asset growth projection
See how a starting amount and regular contributions compound over time, in USD.
This is arithmetic on the numbers you enter, not a forecast. The return you type is an assumption, not something anyone can promise — real returns vary year to year and can be negative. Interest is applied to the balance at the start of each year and your contribution is added at the end, which is the conventional method and affects the result. Inflation, fees and tax are not deducted.
How to read it
The grey portion of each bar is your original starting amount. The lighter green is everything you have added since. The brighter green on top is growth — the part you did not put in. Over a long horizon that top section usually overtakes the rest, and that crossover is the entire argument for starting earlier rather than adding more later.
What it deliberately does not do
It does not predict anything. The return is a number you chose, and no product guarantees it. It also does not subtract inflation, fees or tax, all of which reduce what you actually keep — a 12% return with 9% inflation leaves you roughly 3% better off, not 12%. If you want the figures that apply where you live, see the options available in your market.