Money Savings plan calculator: what will your monthly amount become?
Enter how much you want to put aside each month. The calculator shows how much you pay in yourself and how much comes from compound interest.
Model calculation with a constant return and monthly compounding, without costs or taxes. Real markets fluctuate, including years with losses. Not investment advice.
How the savings plan calculator works
Every month your amount is added, and the existing balance keeps growing at the assumed return. That is compound interest: the returns of previous years work for you too. At first the effect looks small; after 15 to 20 years it often makes up a large part of the final value.
The calculator converts the annual return into an equivalent monthly rate and compounds every month. Costs, taxes and inflation are left out so the mechanics stay clearly visible.
What return is realistic?
Broadly diversified global equity ETFs have historically returned roughly 6 to 8 percent per year over long periods, with strong swings and years of clear losses. Savings accounts and bonds usually return less. Past returns are no guarantee, so try several scenarios, for example 4, 6 and 8 percent.
Time is the biggest lever
Starting 10 years earlier often means you need a much smaller monthly amount for the same goal. That is why it pays to start with a small amount instead of waiting for the perfect moment. The Money Compass shows you what monthly amount your budget really allows.
Frequently asked questions
What is the compound interest effect?
Returns are reinvested and earn returns themselves. That is why an amount does not grow evenly over time but faster and faster.
Are taxes and costs included?
No. The calculator shows the pure mechanics. In practice, fund costs, account fees and taxes reduce the result.
Is this investment advice?
No. It is a model calculation for financial education. Which investment suits you depends on your situation, time frame and risk tolerance.