Compound interest means your gains are reinvested and earn more gains. The growth curve becomes exponential — the longer you invest (10, 20+ years), the more dramatic the effect.
Recurring investing (dollar-cost averaging) means investing a fixed amount on a fixed schedule. It averages your entry cost and removes the risk of buying everything at the top — ideal for busy people.
Use a conservative number close to long-term averages: broad-market ETFs ~8%, high-dividend ~6%, bonds ~5%. Over-optimistic rates badly overestimate results.
No. It lowers timing risk but not market risk. Past performance doesn't predict the future — hold long-term and diversify.
Yes — completely free and runs locally in your browser.
Compound interest is how savings and investments grow exponentially — you earn returns on your past returns. This calculator projects how a starting amount plus regular contributions can grow over time, with an interactive chart, in five languages.
Seeing the curve makes the value of starting early tangible. Small, consistent contributions compounded over decades often outperform a single large deposit. Use it to plan a retirement fund, an emergency fund, or any long-term goal.
Use a realistic long-term figure. Broad stock-market averages have historically been around 6-8% before inflation, but past performance does not guarantee future results.
No — results are nominal. Subtract your expected inflation and tax to estimate real-terms value.
No. It is an educational projection tool. Consult a qualified professional before making real financial decisions.