Tools
FROM WHAT IF TO WHAT CHANGES
See what changes your money.
A contribution. A time horizon. A fee. Move one number and see its effect—before you make a decision.
Explore all five calculatorsExplore three scenarios
Example: $10,000 to start · monthly compounding · end-of-month deposits · 2.5% inflation. Edit other assumptions in the full tool.
How the balance builds
The widening light-green area is growth earned beyond the money contributed.
View data table
| Year | Contributed | Growth | Balance |
|---|---|---|---|
| 0 | $10,000 | $0 | $10,000 |
| 1 | $16,000 | $919 | $16,919 |
| 2 | $22,000 | $2,339 | $24,339 |
| 3 | $28,000 | $4,294 | $32,294 |
| 4 | $34,000 | $6,825 | $40,825 |
| 5 | $40,000 | $9,973 | $49,973 |
| 6 | $46,000 | $13,782 | $59,782 |
| 7 | $52,000 | $18,299 | $70,299 |
| 8 | $58,000 | $23,578 | $81,578 |
| 9 | $64,000 | $29,671 | $93,671 |
| 10 | $70,000 | $36,639 | $106,639 |
| 11 | $76,000 | $44,544 | $120,544 |
| 12 | $82,000 | $53,455 | $135,455 |
| 13 | $88,000 | $63,443 | $151,443 |
| 14 | $94,000 | $74,587 | $168,587 |
| 15 | $100,000 | $86,971 | $186,971 |
| 16 | $106,000 | $100,683 | $206,683 |
| 17 | $112,000 | $115,820 | $227,820 |
| 18 | $118,000 | $132,486 | $250,486 |
| 19 | $124,000 | $150,790 | $274,790 |
| 20 | $130,000 | $170,851 | $300,851 |
Example: $15,000 already saved · monthly compounding · end-of-month deposits. Edit other assumptions in the full tool.
Example: $25,000 to start + $500/month · annual asset fee. Edit other assumptions in the full tool.
Calculated locally · no account · amounts never saved
FIVE DISTINCT MONEY QUESTIONS
One question. The right lens.
Explained formulas. Visible assumptions.
Compound interest
What could my monthly savings grow into?
Open calculatorSavings goal
How much do I need to save each month?
Open calculatorFee impact
What does a small annual fee really cost?
Open calculatorStock profit
Did I make a profit after fees and dividends?
Foreign return
Did currency changes help or hurt my return?