Result
Final amount
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This calculation is for informational purposes only and does not replace advice from a qualified professional. Formulas and rates may not fit your exact situation — double-check the figures before making decisions.
How it is calculated
Final amount = starting amount × (1+monthlyRate)^n + contribution × ((1+monthlyRate)^n − 1) ÷ monthlyRate, where monthlyRate is the annual rate ÷ 12 ÷ 100 and n is the term in months. This is the standard future-value-of-an-annuity-with-a-lump-sum formula from financial math.
Total contributed = starting amount + contribution × term in months. Earned from compounding = final amount − total contributed — the effect of compound interest and regular contributions.
The calculation assumes a steady return for the whole term and contributions made exactly at the end of each month — real returns fluctuate, so treat this as an estimate, not a guarantee.