How much will my money grow?
See how your money could grow with an initial amount, regular contributions, compound returns and time. This calculator also lets you compare a second scenario side by side so you can test different investing ideas.
Enter your numbers
Use Scenario 1 first, then add Scenario 2 if you want to compare another option.
Quick scenarios
These are useful for testing article ideas and internal links.
Scenario 2 inputs
Use this to compare another investing path against Scenario 1.
Example ideas:
- $100/week vs $500/month
- $10,000 lump sum vs monthly investing
- Start now vs start 10 years later
Results
X-axis = years. Y-axis = estimated balance in dollars.
| Return rate | Estimated final value |
|---|
Disclosure: This page contains affiliate links. If you sign up through these links, I may earn a commission at no extra cost to you.
Track Your Investments
If you’re investing regularly, it’s important to track your actual returns, dividends, and portfolio performance.
Tools like Sharesight make it easy to see how your investments are really performing over time.
📈 Track your investments with Sharesight →Plan Your Money Properly
If you're serious about reaching these results, a tool like Pocketsmith can help you track your spending, plan future savings, and stay consistent.
Try Pocketsmith →How to use this calculator
1. Add your starting amount
Enter the amount you already have invested or saved. If you are starting from zero, just leave it at 0.
2. Add contributions and return
Choose how often you plan to contribute and enter an estimated annual return to model long-term growth.
3. Compare another path
Use Scenario 2 to test questions like weekly vs monthly investing, or starting now vs later.
What compound interest means
Compound interest means your money can grow not only from your original amount and new contributions, but also from the returns already earned along the way. Over longer time frames, this can make a very large difference.
The calculator above is designed as an educational estimate. Real-world results can vary because of fees, taxes, inflation, market changes, contribution timing and actual investment performance.
Calculation note: this version uses end-of-period contributions and applies interest at the selected compounding frequency, so weekly, fortnightly, monthly, yearly and mixed-frequency comparisons stay consistent.
Want the simpler explanation? Visit How compound interest works.
Related calculators and articles
How much do I need to retire? · ETF vs savings account calculator · What if I start investing late? · $100 a week for 10 years · $500 a month for 20 years · $10,000 invested once for 20 years