See what a habit of regular deposits can grow into over time.
A recurring savings calculator projects what regular deposits, weekly, monthly, or yearly, will grow to over time, with compound interest. It's the tool for seeing where an automatic savings habit leads.
Your ending balance has two parts: the money you put in, and the compound growth on it. Early on, most of the balance is your own contributions; over long horizons, growth can quietly overtake them, so a large share of the final total is money you never deposited. The calculator separates the two so you can see the compounding actually working.
The reliable way to hit a long-term number is to make deposits automatic, scheduled on payday, before the money can be spent, and to raise them over time. Even a small annual bump, like increasing the deposit with each raise, has an outsized effect because the added amounts compound for years. Consistency matters more than size at the start; the habit is what compounds.
It depends on the deposit, frequency, return, and horizon. Enter them above to see the projected balance and how much of it is compound growth.
More frequent deposits compound slightly sooner, but the bigger factors are the total amount and the time horizon. The best schedule is whatever you'll stick to automatically.
Yes, it applies a steady annual return for a clean projection. Real returns vary year to year, so treat the result as an estimate, not a guarantee.
See the exact formula and a worked example on our methodology page.