Free Compound Growth Calculator
A free compound growth calculator with no login. Set a starting balance, a monthly contribution or withdrawal, a return assumption, a duration and a compounding frequency to simulate how a balance could compound over time. A scenario simulation based on your inputs — it does not predict future results.
Inputs
Use a negative value for withdrawals.
Ending balance
$59,030
scenario estimate
Total deposited
$34,000
start + contributions
Total growth
$25,030
compounding effect
Growth curve
| Period | Balance | Deposited | Growth |
|---|---|---|---|
| Year 1 | $13,337 | $12,400 | $936.58 |
| Year 2 | $16,950 | $14,800 | $2,150 |
| Year 3 | $20,864 | $17,200 | $3,664 |
| Year 4 | $25,102 | $19,600 | $5,502 |
| Year 5 | $29,692 | $22,000 | $7,692 |
| Year 6 | $34,663 | $24,400 | $10,263 |
| Year 7 | $40,046 | $26,800 | $13,246 |
| Year 8 | $45,877 | $29,200 | $16,677 |
| Year 9 | $52,191 | $31,600 | $20,591 |
| Year 10 | $59,030 | $34,000 | $25,030 |
How it works
Each month your contribution (or withdrawal) is added to the balance, and the return is applied on your chosen compounding schedule. Growth compounds because each period's return is earned on the previous balance plus contributions.
The chart and table show how the balance could develop under your assumptions. These are scenario figures based on your inputs — not a prediction or a guarantee.
Example calculation
- Start $10,000 · $200/month · 8% annual return · 10 years · monthly compounding.
- Deposited = 10,000 + 200 × 120 = $34,000.
- Ending balance ≈ $59,000 in this scenario (the rest is compounding growth).
Frequently asked
Does this predict my returns?
No. It is a scenario simulation based purely on the return assumption you enter. It does not predict future results or guarantee any outcome.
What does the compounding frequency change?
It sets how often the return is applied — monthly, quarterly or annually. More frequent compounding applies growth more often on the running balance.
Can I model regular withdrawals?
Yes. Enter a negative monthly contribution to model regular withdrawals instead of deposits.
Is it free?
Yes — free, no login, and nothing you enter is stored.
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This free tool is for educational and analytical purposes only. It does not provide trading signals, investment advice, financial recommendations, broker services or trade execution. Calculations are estimates based on the values you enter; simulations show scenario ranges only and do not predict future results or guarantee any outcome.