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Compound interest with contributions, simple interest and fixed-income comparisons.
How much your money grows with monthly contributions, against a benchmark rate and inflation, year by year.
Contributions, benchmark and inflationFinal amount, interest in each period and the gap between simple and compound interest, in charts and a table.
Final amount, interest per period and the gapCompare fixed, floating and inflation-linked returns over the same term, with breakeven inflation, breakeven rate and the winner in each scenario.
Breakeven inflation and breakeven rateCompare investing a lump sum with spreading it over monthly purchases, with average cost and rally and decline scenarios.
All at once or spread outSee how much management and account fees take from your savings over the years, with and without fees and against a cheaper option.
What fund fees take from your savingsConvert rates between month, year and day (252, 360 or 365), APR to APY, and work out the true cost of a loan with fees.
Monthly ↔ annual, APR ↔ APY, true costFind how much to save each month for college, with tuition rising faster than inflation, earnings, tax and the cost of waiting.
Future cost and monthly savingsImportant notice: PersonalCalcs calculators are educational tools that produce estimates from the data you enter and from standard financial formulas. Results are not investment, tax, legal or accounting advice and are not an offer or recommendation to buy or sell any security or financial product. PersonalCalcs is not a bank, broker or licensed financial adviser. Rates, taxes and rules vary by country and change over time: check with an official source or a qualified professional before making decisions. By using this site you agree to the Terms of Use.
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