Inputs
$
$
0.5%20%
1 yr50 yrs
0%10%
Future Value
$—
Enter values to calculate
Total value of your investment at end of period, including contributions and
compound interest.
Total Contributions
$—
Interest Earned
$—
Inflation-Adj. FV
$—
In today's dollars
Effective Annual Rate
—%
Compounded equivalent
Principal vs Interest Breakdown
Growth Over Time
Year-by-Year Breakdown
| Year | Opening | Contributions | Interest | Closing Balance |
|---|
How it works: Combines a one-time lump sum with regular annuity
payments using standard FV formulas. Interest compounds at the selected frequency. Annuity Due
multiplies by (1 + r) since payments earn one extra period.
Target & Parameters
$
$
0.5%20%
1 yr50 yrs
0%10%
Required Payment Per Period
$—
Enter target to calculate
The exact regular contribution needed each period to reach your target.
Total You'll Pay In
$—
Interest Earned
$—
Real Value of Target
$—
Inflation-adjusted
Lump Sum Equivalent
$—
PV of all payments
Principal vs Interest Breakdown
Rate Sensitivity — Required Payment vs Interest Rate
Reverse solver: Given a target future value, lump sum, rate, and time,
this calculates the exact regular contribution needed. The chart shows how a higher return dramatically
reduces required savings.
Year-by-Year Breakdown
| Year | Opening | Contributions | Interest | Closing Balance |
|---|
Inputs
$
0.5%15%
1 yr40 yrs
0%10%
Periodic Payout
$—
Enter values to calculate
The amount you'll receive each payment period, given your fund and selected
rate.
Total Paid Out
$—
Total Interest
$—
Real Payout Value
$—
Inflation-adjusted first payment
Payout / Principal %
—%
Principal vs Interest Breakdown
Fund Balance Over Time
Amortization Schedule
| Period | Opening | Interest | Payout | Closing Balance |
|---|
Scenario Comparison — Future Value
Adjust each scenario independently to compare how different rates, terms, or contributions affect your outcome.
Scenario A
$
$
$—
Scenario B
$
$
$—
Head-to-Head Growth Chart
Tip: Small differences in return rate
compound dramatically over time. Try setting both scenarios to the same inputs but different time horizons
to see the value of starting early.