Savings & Investment Calculators
Borrowing and saving are the same maths pointed in opposite directions: with debt, compounding works against you; with savings, it works for you. These calculators show how consistent deposits and time turn small amounts into large balances.
The lesson every tool here reinforces is that time matters more than the amount. Because interest earns interest, starting early usually beats saving more later — and over long horizons the growth from compounding comes to dwarf the money you actually put in.
Pick the calculator that matches your question below, from a simple interest estimate to a full retirement projection. The guides then explain compounding, simple versus compound interest, and how to start investing.
Which calculator should I use?
- Compound Interest Calculator The core of growth — compounding with regular contributions. Open calculator →
- Investment Calculator Project an investment with monthly contributions over time. Open calculator →
- Savings Calculator Reach a savings goal, or project where deposits will take you. Open calculator →
- Retirement Calculator Project your nest egg and the income it could provide. Open calculator →
- Interest Calculator Compare simple and compound interest side by side. Open calculator →
- Simple Interest Calculator Straight-line interest with the I = P × r × t formula. Open calculator →
- Inflation Calculator See what your money will really be worth over time. Open calculator →
Reference tables
At-a-glance tables you can cite, print or embed — computed from the same formulas as the calculators.
- Savings growth table How $10,000 grows with compound interest across annual returns of 2% to 10% over 5 to 40 years — a reference for the power of compounding. View the table →
- Monthly investment table How a recurring monthly investment grows at a 7% annual return over 10 to 40 years — from $100 to $2,000 a month. View the table →
- Inflation table What $100 held as cash will be worth in today’s money after 5 to 50 years at annual inflation rates of 2% to 5%. View the table →
Guides on this topic
- Compound Interest: How Your Money Grows Understand compound interest in plain English — how it works, why time matters more than timing, and how regular contributions turn small savings into large balances.
- Simple Interest Explained What simple interest is, the formula behind it, where you'll encounter it, and how it differs from the compound interest that grows savings.
- Investing for Beginners: Make Your Money Grow A plain-English starter guide to investing — why compounding matters, how to think about risk, what to actually invest in, and how to begin with any budget.