Compound Interest Calculator
Model complex scenarios with annual contribution step-ups, tax drag, and inflation adjustment.
Annual Breakdown
| Year | Deposits | Interest | Total Balance | Real Value (Inflation) |
|---|
How does “Step-Up” work?
The step-up feature simulates a salary increase. If you save $500/mo and set a 3% step-up, next year you’ll automatically save $515/mo. This drastically changes long-term outcomes.
Is Tax Drag included?
Yes. If you enter a Tax Rate, we subtract that percentage from your annual investment gains, giving you a realistic “post-tax” availability of funds.
Inflation Adjustment?
We use the standard discount formula. The “Future Balance” shown is in today’s purchasing power if you have inflation set > 0%.
How to Use This Calculator
Enter Basics
Input your starting amount, how much you can save monthly, and your expected timeline.
Set Strategy
Adjust the interest rate based on your investment vehicle (e.g., S&P 500 avg is ~8-10%).
Analyze & Plan
Use the advanced options to factor in inflation, then export the data to plan your wealth goals.
Why Use This Wealth Tool?
Instant Accuracy
Real-time calculation with zero lag. See the impact of every dollar instantly.
Inflation Adjusted
Don’t just see the number; see the real purchasing power using our advanced inflation toggle.
Visual Wealth
Clear, color-coded visualizations help you distinguish between your savings and free money (interest).
100% Private
Calculations happen on your device. No data is sent to any server. Your finances stay yours.