Adjust the inputs below. Results update as you type.
Returns compound on each period using the rate you enter (nominal annual rate divided by periods per year). Real returns may differ due to taxes, fees, inflation, and variable rates.
Deposits are converted to match compound frequency (e.g. quarterly compounds = 3× monthly amount per quarter).
Assumes a steady nominal rate and on-time deposits at the compound cadence. Actual products differ; this is educational only.