Savings Calculator
Calculate the future value of monthly savings with compound interest. Plan your savings goals and see your money grow over time. Figures never leave your device — every calculation runs locally in your browser.
How to Use the Savings Calculator
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Frequently Asked Questions
What does this calculator show?
Future value of your savings based on initial deposit, monthly contributions, interest rate, and time horizon. Shows a year-by-year table of balance, total contributions, and interest earned.
Does it include compound interest?
Yes. Interest compounds based on your selected frequency (monthly, quarterly, annually). More frequent compounding produces slightly higher returns.
Can I set a savings goal and see how long it takes?
No — there is no goal mode. Set the years field to your horizon and read the balance; adjust the horizon until the balance covers your target.
What interest rates should I use?
Savings accounts: 2-5%. Fixed deposits: 5-7%. Index funds: 8-12% (historical average, not guaranteed). Use conservative estimates for realistic planning.
Is my savings data stored?
No. All calculations run locally in your browser. No financial data is transmitted.
What does the default scenario reach in 10 years?
$10,000 initial plus $500/month at 5% compounded monthly reaches $94,111 — $70,000 contributed plus $24,111 interest, shown year-by-year. The Compounds/Year select (Annual through Daily) re-runs the same per-period loop, so compare Monthly vs Daily to see frequency’s small edge.
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Last updated October 2026