Watch Your Money
Compound and Grow
Enter your starting amount, monthly contributions and rate to project your future balance — the power of compounding visualized.
📥 Enter Your Numbers
$
What you have saved today.
$
What you add every month.
Average annual return, e.g. 4% savings, 7% index funds.
How long you will keep saving.
🔒 Privacy-first: all calculations happen in your browser. Nothing is uploaded or stored.
💰 Your Growth Projection
—
FUTURE VALUE
Total You Put In—
Interest Earned—
Growth Multiple—
The Eighth Wonder: Compounding
Money earns money — and that money earns more money.
📈
Compounding
Interest on your interest. At 7%, money doubles roughly every 10 years (rule of 72).
⏳
Time Beats Amount
Starting 10 years earlier often beats contributing twice as much later. Time is your biggest asset.
🐢
Consistency Wins
Regular monthly contributions smooth out market ups and downs — the proven path for business owners.
Frequently Asked Questions
Quick answers for busy business owners.
What is compound interest?
Earning interest on both your original money and the interest it has already earned. Growth accelerates over time.
How much will $500/month grow to?
At 7% for 20 years: about $260,000 — of which you only deposited $120,000. The rest is compounding.
Is 7% realistic?
Long-term diversified index funds have averaged ~7–10% historically; savings accounts are lower (~3–5%). Use a conservative rate for planning.
Is this calculator really free?
Completely free, forever, no signup. All calculations run in your browser.