Tools · Free

Compound calculator

Your plan

Starting amount ($) Monthly contribution ($; negative for withdrawals) Years Annual return (%) Variance range (± percentage points) Show the S&P 500 baseline (10% a year)

The variance range draws a low and a high case around your return. For context, the S&P 500 has returned about 9 to 10% a year over the long run (about 9% over the last 20 years).

Where it ends up

Ending balance—

You contributed—

Growth earned—

Low case—

High case—

S&P 500 at 10%—

Year	Contributed	Earned	Balance

Compounds monthly at the rate that equals your annual return over a year, with each contribution added at the end of the month. An illustration, not a forecast or advice.