Investing and growth calculators

Compounding is easy to state and hard to feel. These tools break a result into the part you paid in and the part the market added, and show how the split changes with time.

3 calculators

Compound Interest CalculatorSee the future value of a lump sum plus monthly contributions, how the total splits between what you paid in and what compounding added, and the year the split crosses over.Retirement Savings CalculatorProject a retirement balance from current savings and monthly contributions, then convert it to a monthly income under 3.5%, 4% and 4.5% withdrawal rates, with the IRS limits alongside.CAGR CalculatorConvert a beginning and ending value into a compound annual growth rate, see how long a given rate takes to double or triple your money, and understand what the annualised figure hides.

About this cluster

Nothing in this cluster forecasts a return. You supply the assumed annual growth rate, and the pages are explicit that the rate is your assumption rather than our prediction. What the tools do supply is the arithmetic that turns an assumption into a balance.

How the figures are checked

Each calculator in this cluster states its formula, ships with worked examples that were checked against a known answer by an independent second implementation, and lists the primary source and retrieval date behind every external figure. The full method is described on the methodology page.