This calculator compounds a fixed monthly deposit at the rate you enter, year by year. It shows an estimated ending balance plus how much of that balance came from your own contributions versus growth. Real portfolios vary with market returns, taxes, employer matches, and sequence of returns.
Fixed monthly contribution, constant nominal annual return, and monthly compounding at rate/12. No taxes, fees, employer match, or inflation adjustment.
You enter nominal return. Purchasing power in retirement would still depend on future inflation, which this page does not model.
Products use different timing (beginning vs end of month), fees, tax wrappers, and return sequences. This is a simplified baseline.
Set monthly contribution to 0 and you would need a different tool; this UI is built around monthly deposits plus return.
No. Illustration only.
Runs locally in your browser.