Compounding Calculator

See what a starting balance and regular deposits grow into when the interest earns interest, then how long the money lasts once you start withdrawing, with the balance still compounding.

Disclaimer: Results are estimates and may be inaccurate. For education only. Use at your own risk. Not financial advice.

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Saving

Starting amount

Monthly deposit

Annual return (% per year)

Years of saving

Withdrawing

Monthly withdrawal (0 for none)

Years of withdrawing (starts after the saving years)

Goal: work is optional

Monthly spending you need (today's money, 0 for no goal)

Safe withdrawal rate (% a year, 4 is a common rule of thumb)

Assumptions

Interest compounds

Deposits and withdrawals happen

Inflation (%)

Currency

These starting values are an example. Change any field and the results update.

Balance at the end

–

You put in

–

Interest earned

–

Withdrawn

–

Balance when saving ends

–

Interest while withdrawing

–

Balance in today's money

–

Balance at the end of each year

Deposits Interest Balance while withdrawing

Year-by-year breakdown

Year	Deposits	Interest	Withdrawn	Balance

Totals in the table are running totals. Interest is credited at the effective rate that matches the compounding frequency you pick. This is an estimate, not a forecast: real returns vary from year to year, and withdrawals are a fixed amount, not adjusted for inflation.