Beta Factor tools · For individuals
Compounding
calculator.
How regular yearly contributions can grow when returns are reinvested. Change an input and see the curve respond.
EDUCATIONAL ILLUSTRATION · NOT ADVICEINTERACTIVE ILLUSTRATIONAdjust the assumptions
Assumes contributions are made at the end of each year and returns compound annually.
ILLUSTRATIVE FUTURE VALUE–
Total contributions–
Illustrative growth–
Illustrative valueContributions
Illustration, not a forecast. Actual returns are variable and not guaranteed. Fees, taxes, inflation, and periods of loss are not included.
This calculator shows the mathematics of compounding, not a prediction. The related article explains the idea in full — including where a smooth curve stops looking like real life.
Assumptions & limits
- Contributions are made at the end of each year.
- The rate of return stays constant — real returns vary from year to year.
- Fees, taxes, and inflation are not included.
Every Beta Factor tool is an educational illustration, not financial advice.