See how a starting balance plus monthly contributions could grow over your chosen horizon at an assumed annual return.
Starting Balance
$25,000
Monthly Contribution
$1,500
Assumed Annual Return
7%
Historical figures are illustrations only — past performance does not predict future results.
Projection Horizon
30 yrs
Projected Balance
$2,032,869
after 30 years at 7% p.a.
Investment Growth
$1,467,869
above what you contributed
Horizon
30 yrs
Total Contributed
$565,000
Investment Growth
$1,467,869
See your full growth projection
Edit the inputs freely — unlock Premium to reveal the projected balance, contributions vs growth split, and year-by-year chart based on your assumptions.
Upgrade to Premium to see your projectionThis calculator is an educational illustration only. Results are hypothetical projections based on the assumptions you enter — not predictions, guarantees, or financial advice. Actual outcomes will differ. Consider consulting a licensed financial adviser before making financial decisions.
How to read this projection
Compounding, explained
Each month your existing balance earns a return, and you add a fresh contribution on top. Over time, the returns start earning returns of their own — that stacking effect is what this chart visualises.
Assumed annual return
The return slider is a flat, illustrative assumption. Real markets don't deliver a constant return year after year — this is a smoothed projection, not a forecast.
Projection horizon
The horizon slider controls how many years the chart runs. Move it up and down to see how much of the final balance comes from your contributions versus compounded growth.
Total contributed vs investment growth
"Total contributed" is the money you actually put in from your own pocket. "Investment growth" is the additional balance built through compounding at the assumed return. This tool does not tell you when you can stop working — it just shows how a balance could evolve under your inputs.