Savings Growth Calculator
See how a starting amount and regular monthly contributions grow over time, and how much of the final balance is interest rather than money you put in.
How this is calculated
Interest compounds monthly, and contributions are treated as being made at the end of each month. The result separates what you paid in from what the interest added, which is usually the more interesting half of the answer.
This is a nominal figure. It does not adjust for inflation, and it does not apply any tax that may be due on the return.
Frequently asked questions
Does this account for inflation?
No. The balance shown is in nominal terms. If you want to think in today’s purchasing power, compare the interest rate against the inflation rate over the same period.
Is the return taxable?
That depends on the product and your circumstances. This calculator applies no tax at all. Ask us if you want your position confirmed.
What if I contribute irregularly?
The model assumes a steady monthly amount. For irregular contributions, use an average as a rough guide, or talk to us and we will model it properly.
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