Explore your numbers

Compound Growth Calculator

Explore how a starting amount, regular contributions, time, and an assumed rate of return may affect future value and estimated compound growth.

Free educational tool · No account required · Amounts in Canadian dollars

Your Growth Assumptions

Enter a starting amount, regular contribution, timeframe and assumed rate of return to explore how the values may grow over time.

Starting amount

Regular contribution

Contribution frequency

Time period

years

Assumed annual return

Contribution timing

Annual contribution increase

Optional. Annual contribution increase lets you explore how gradually increasing regular contributions may affect the projection.

Report Details

Prepared for

Prepared by

Phone number

Financial information entered here stays in your browser and is not stored by this calculator.

Estimated future value

$0

Starting Amount $0

Total Contributions $0

Estimated Growth $0

Future Value $0

Where the Future Value Comes From

Starting principal, regular contributions and estimated growth

Starting Amount $0

Contributions $0

Estimated Growth $0

Estimated Growth Over Time

Compare the amount contributed with the estimated account value

Estimated balance Amount contributed

Educational Illustration Only. This calculator is provided for general educational purposes to explore how a starting amount, regular contributions, time and an assumed rate of return may affect future value. Results are hypothetical estimates and are not predictions or guaranteed outcomes. Actual returns may vary and may be negative. Fees, taxes, withdrawals, contribution timing and other factors can materially affect actual results.

UNDERSTANDING COMPOUND GROWTH

What Can Affect Future Value?

Future value can be influenced by how much you start with, how consistently you contribute, how long the money has to grow, and the actual returns earned over time.

Time

The longer money remains invested or saved, the more opportunity it has to compound.

Time can have a significant effect on long-term growth.

Contributions

Regular contributions can add significantly to future value, especially when they continue over many years.

Consistency can matter as much as the starting amount.

Rate of Return

Different assumed rates can produce very different long-term outcomes.

Small changes in assumptions can create large differences over time.

Compound-growth projections are illustrations, not predictions. Time, contributions, fees, taxes, withdrawals, and actual returns can materially affect results.