Estimate how a starting balance and regular monthly contributions could grow over time.
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How contributions and compounding interact
Compound growth
Compounding means returns can earn additional returns over time. Regular contributions can be as important as the assumed rate, especially over long periods.
Investment returns are not guaranteed
This is a mathematical projection. Real investments fluctuate and may lose value; fees, taxes and inflation can also change outcomes.
Why compounding matters
Compound growth means returns can earn additional returns over time. The starting balance, contribution amount, rate, compounding frequency, and time horizon all influence the projected ending value.
Use multiple assumptions
Future returns are uncertain. Compare conservative, moderate, and higher-growth assumptions rather than relying on one projected rate, and treat the calculator as a planning tool rather than a prediction.