Savings growth calculator
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.
€30,647 by 2036.
€26,000 is money you put in; €4,647 is growth doing the rest.
The habit matters more than the rate: at €200 a month, missing one year costs you roughly €2,400 plus everything it would have earned.
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 is what a monthly check-in is for — savings is one of the five numbers Gen Finance asks you to confirm each payday.
Common questions
What rate should I assume?
For a savings account, whatever your bank actually pays (often 0–4%). For long-horizon diversified investing, people commonly model 5–7% 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.