Free Tool
Compound Growth Simulator
Enter a starting balance, monthly contribution, and expected return rate to see how your investment grows over time — with both nominal and inflation-adjusted values.
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Compound Growth Formula Reference
Monthly compounding with optional inflation adjustment
Core Formula
Future value (nominal)FV with monthly contributions
CompoundingMonthly (12 periods/year)
Real valueFV ÷ (1 + inflation)^years
Planning Assumptions
Default return7% annual (editable)
Default inflation3% annual (editable)
Horizon1–50 years
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