Compounding is the one grind where time does the farming for you. Enter a starting amount and what you can add each month, and see what it becomes — plus how much of that is growth you never had to earn twice.
Your Plan
What It Becomes
Enter your plan and click Show My Growth.
Compound interest is the growth you earn on both the money you put in and on the growth it already made. Simple interest only ever pays you on your original deposit; compounding reinvests every bit of growth so the next round is calculated on a bigger number. Keep that cycle running long enough and the growth starts out-earning your own contributions — the money works harder than you do.
The single most powerful input in this calculator isn't the return percentage — it's the number of years. Because each year compounds on top of the last, the final decades of a long run do far more work than the first. Starting with a small amount early almost always beats starting with a large amount late. That's the whole case for beginning now, even at $50 a month.
A lump sum compounds on its own, but steady monthly contributions are what turn modest numbers into serious ones. This calculator adds your contribution at the end of each month and grows the whole balance from there. The "growth earned" figure shows exactly how much of your final total you never had to deposit — the part compounding handed you for free.
You can't contribute what's quietly leaking into skins, gacha pulls, and forgotten subscriptions. The money most people need in order to start investing is already in their budget — it's just unaccounted for. Hunter Vault is our own app for finding that money: it tracks where it goes, flags the recurring drains, and turns what you redirect into visible progress. We recommend it as its makers, not as a neutral third party.
Hunter Vault logs your real spending, flags the recurring charges you forgot, and turns the money you redirect into XP toward your goals — all offline and private.
Download Hunter Vault FreeThis calculator is for illustration only. It assumes a constant hypothetical annual return; real investment returns vary year to year, are not guaranteed, and can be negative. It does not account for taxes, fees, or inflation. This is not financial or investment advice.