Project the future value of an initial principal plus recurring contributions across any horizon. Annuity-immediate convention (interest credited before deposit each period). Stacked-area chart shows how principal, contributions, and interest combine to make up the balance.
For information only — not investment, financial, or tax advice. This calculator estimates results based on the inputs you provide. It does not constitute professional advice and infoz.com is not a CPA, EA, attorney, or registered investment adviser. Tax laws change. Individual circumstances vary. Consult a qualified professional licensed in your jurisdiction before making any financial decision.
Projected balance after 30 years
$691,150
Of which $190,000 contributed and $501,150 interest earned.
| Year | Start | Contrib. | Interest | End |
|---|---|---|---|---|
| 1 | $10,000 | $6,000 | $919 | $16,919 |
| 2 | $16,919 | $6,000 | $1,419 | $24,339 |
| 3 | $24,339 | $6,000 | $1,956 | $32,294 |
| 4 | $32,294 | $6,000 | $2,531 | $40,825 |
| 5 | $40,825 | $6,000 | $3,148 | $49,973 |
| 6 | $49,973 | $6,000 | $3,809 | $59,782 |
| 7 | $59,782 | $6,000 | $4,518 | $70,299 |
| 8 | $70,299 | $6,000 | $5,278 | $81,578 |
| 9 | $81,578 | $6,000 | $6,094 | $93,671 |
| 10 | $93,671 | $6,000 | $6,968 | $106,639 |
| 11 | $106,639 | $6,000 | $7,905 | $120,544 |
| 12 | $120,544 | $6,000 | $8,910 | $135,455 |
| 13 | $135,455 | $6,000 | $9,988 | $151,443 |
| 14 | $151,443 | $6,000 | $11,144 | $168,587 |
| 15 | $168,587 | $6,000 | $12,383 | $186,971 |
| 16 | $186,971 | $6,000 | $13,712 | $206,683 |
| 17 | $206,683 | $6,000 | $15,137 | $227,820 |
| 18 | $227,820 | $6,000 | $16,665 | $250,486 |
| 19 | $250,486 | $6,000 | $18,304 | $274,790 |
| 20 | $274,790 | $6,000 | $20,061 | $300,851 |
| 21 | $300,851 | $6,000 | $21,945 | $328,796 |
| 22 | $328,796 | $6,000 | $23,965 | $358,760 |
| 23 | $358,760 | $6,000 | $26,131 | $390,892 |
| 24 | $390,892 | $6,000 | $28,454 | $425,345 |
| 25 | $425,345 | $6,000 | $30,945 | $462,290 |
| 26 | $462,290 | $6,000 | $33,615 | $501,905 |
| 27 | $501,905 | $6,000 | $36,479 | $544,384 |
| 28 | $544,384 | $6,000 | $39,550 | $589,934 |
| 29 | $589,934 | $6,000 | $42,843 | $638,777 |
| 30 | $638,777 | $6,000 | $46,374 | $691,150 |
The calculator iterates period-by-period, crediting interest on the opening balance and then accepting the new contribution. Closed-form parity is exact when contribution escalation is zero.
Per-period rate r = annualRate ÷ compounding-periods-per-year. Monthly compounding uses r = annualRate / 12; annual compounding uses r = annualRate.
Within each period, interest = balance × r is added to the balance first. This is the annuity-immediate convention used by the SEC's compound calculator.
After interest, the recurring contribution is added. The deposited amount earns no interest in the period it was made.
The end-of-year balance, this year's contributions, and this year's credited interest are recorded for the year-by-year breakdown table and the stacked-area chart.
If you enable annual contribution escalation, the per-period contribution is multiplied by (1 + escalationRate) at the start of each new year.
Inputs: P = $10,000, PMT = $500/month, annual rate 7%, monthly compounding, n = 360 months. Closed form, principal portion: P × (1.005833)^360 = 10,000 × 8.1165 = $81,165 Closed form, contributions portion: PMT × ((1.005833)^360 − 1) / 0.005833 = 500 × (8.1165 − 1) / 0.005833 = 500 × 1219.97 = $609,985 Final balance ≈ $691,150 of which contributed ≈ $190,000 ($10,000 initial + $180,000 monthly × 360) of which interest earned ≈ $501,150 Note: tiny floating-point drift is possible at long horizons; the calculator result is rounded to the cent and matches the closed form within ~$1 over 360 periods.
Every numeric input to this calculator traces back to one of the following authoritative documents.
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Calculation logic is based on data verified for standard FV-of-annuity formula (annuity-immediate).
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