Set a starting amount, a monthly contribution, a rate and a horizon — the calculator compounds it properly (monthly, quarterly, semi-annually or annually) and splits the ending balance into what you deposited and what interest earned. The default inputs — $10,000 to start plus $200 a month at 6% for 20 years — end at $125,510, of which $67,510 is interest. A rule-of-72 note shows how fast money doubles at your rate.
Simple interest pays only on the original amount; compound interest pays interest on the interest too. At 6%, $10,000 earns a flat $600 a year with simple interest, but with monthly compounding the second year earns on $10,617, the third on $11,272 — the curve keeps steepening the longer you leave it alone.
Less than most people expect. $10,000 at 6% for 20 years reaches $33,102 compounded monthly and $32,071 compounded annually — about a 3% gap. The rate and the number of years matter far more than the frequency, which is why the years slider moves the result so much harder than the compounding pills.
At 6% compounded monthly, $200 a month grows to $92,408 on total deposits of $48,000 — the interest earned approaches everything you put in. That is the case for starting early rather than starting big: the first dollars get the most years of compounding.
No — it shows the account balance before tax, in future dollars. Inside a TFSA the figure is effectively yours; in a taxable account interest is taxed each year. The investment calculator on this site adds fees and an inflation discount if you want the today's-dollars view.
Every calculator runs from one config: your name, your colours, your prices. Brand it below, open any tool from the catalogue, and finish a quote — the lead lands in the table here the moment the estimate unlocks. On your own site the widget works exactly like this.
| Captured | Name | Contact | Tool | Job value |
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| No leads yet — run any tool in the catalogue and finish the quote. | ||||
| Tenants signed | Avg. rent | Monthly | Annual |
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