What does a monthly habit become?
What you have, what you add, what it earns, and for how long. The result splits honestly into your money and its growth, no fantasy returns pre-filled, and a goal field tells you how many months a number you have in mind will take.
- No signup
- Nothing tracked
- Numbers stay on your screen
- Checked September 2026
A goal to reachHow many months until a number you have in mind.ShowHide
€26,000 is money you put in. €4,647 is growth doing the rest.
Your goal of €1,000 is already behind you.
The habit matters more than the rate: at €200 a month, skipping one year costs €2,400 plus everything it would have earned.
Compound interest with monthly contributions, the standard formula. For the first decade the contribution column dwarfs the interest column; the habit is the engine and the rate is the bonus.
How it is worked out
Savings growth calculator: how the total is worked out
The formula is standard compound interest with monthly contributions. The honest part most calculators skip: the contribution column dwarfs the interest column for the first decade. The habit of adding money every month is the engine; the rate is a bonus. Keeping that habit visible, once a month, is most of the work.
Common questions
- What rate should I put into a savings growth calculator?
- For a savings account, whatever your bank actually pays (often 0 to 4%). For long-horizon diversified investing, people commonly model 5 to 7% before inflation, but nobody promises it. When unsure, run the calculator at 0% too: if the plan only works because of the assumed return, it isn’t a plan yet.
- Monthly or yearly contributions, does it matter?
- Monthly beats a single yearly deposit of the same total slightly, because money arrives earlier and compounds longer. But the real reason monthly wins is behavioural: it survives as a habit, where yearly lump sums get skipped.
- Does this account for inflation?
- No, and almost no calculator does. The figure you get is nominal: money of today's size, counted in tomorrow's currency. If you expect prices to rise about 2% a year, take 2 off your rate and run it again; that result is what the money would buy in today's terms, and it is the only reading that answers what you actually want to know.
- What if I miss a month?
- Less than you fear. One skipped contribution in a ten-year plan moves the end figure by well under a percent, and the calculator has no opinion about it. The habit matters because of the hundred and twenty months, not because of any single one of them, so a missed month is a missed month and not a reason to stop.