Savings / Investment Calculator

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Savings / Investment Calculator

Enter all but one field below,
then press the button next to the field to calculate.
Present Value
or Initial Investment
$
# of Years to Save 
Interest Rate (Decimal)
Compounded: 		  %
Contributions or Withdrawals made:
At the beginning
        of the period.
At the end
        of the period.
$
Future Value
(Principal & Interest)
$
You'll contribute a total of $ The rest is earnings.
Be sure to select the appropriate compounding frequency.
(For further info, see this article about compound interest)

To view the schedule, all input fields must contain a value.

©1995- MyCalculators.com

Next (if you care...)

To plan for
Inflation
on the calculation above-

If inflation averages % per year -

You'll need $ in year(s), to buy what $ buys today.


ONLY ONE of the following is needed to make that goal:
  1. Invest More Initially  $
  2. Earn More (compounded as above)  %
  3. Contribute More Periodically
    (or Withdraw Less)  $
    FAQ 
  4. Settle for Less (in today's $)  $
For further explanation,
please see notes on inflation adjusted values.

©1997- MyCalculators.com


EXAMPLES:
  1. How much money will I have in the future?
  2. When will I be a millionaire?
  3. Show me a schedule!
  4. How much do I need to save for my child's education?
  1. What interest rate have I earned on my money to this point?
  2. What interest rate do I need to earn to make a goal?
  3. How much do I need to save each month for retirement?
  4. How much can I withdraw each month from my account so that I end my savings with at least the amount that I started with?
This calculator will do a lot more than what's reflected in these examples, so be sure to experiment with it!


FAQ:

I don't understand compounding. Does it really make a difference?

What if I want the earnings to be net of taxes?

What can I expect the inflation rate to be?

College Savings/Withdrawal Calculator
I created this calculator because I've had so many people ask for it. I really feel that my Savings / Investment Calculator (above) will allow you to do this calculation and can give greater flexiblity and options. However, if you want a simple calculator with a printable schedule, here it is...



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