La guía de abajo aún no está disponible en español y se muestra en inglés. La calculadora está totalmente traducida.
Cómo usar esta calculadora
- Enter your starting amount and the annual return you expect (after fees).
- Enter how much you'll contribute, how often, and whether at the start or end of each period.
- Optionally increase contributions each year, for example in line with salary growth.
- Review the chart to see how much of your final balance comes from contributions versus growth.
Fórmula
Each period the balance grows by the periodic rate equivalent to the annual return and compounding frequency, and contributions are added at the start or end of the period. When contributions increase each year, they are multiplied by (1 + increase) after every year.
Balance_(k+1) = Balance_k × (1 + i) + C
i = (1 + EAR)^(1/m) − 1, with m = contributions per year
Example
- $20,000 starting amount plus $500 per month for 20 years at 6% per year.
- Total contributions: 500 × 12 × 20 = $120,000.
- The projected end balance is roughly $290,000, so more than $150,000 comes from investment growth.
Preguntas frecuentes
What return should I assume?
Long-run averages differ by asset class and era. Diversified stock portfolios have historically returned more than bonds or cash but with large swings. Many planners use conservative assumptions of 4–7% nominal and test several scenarios.
Does this account for inflation and taxes?
No. Results are in nominal terms before taxes. To estimate real value, subtract expected inflation from the return, or use the inflation calculator on the result.
Why does contribution timing matter?
Money contributed at the start of a period earns one extra period of growth, which adds up over decades.