What will my money grow to?

Project future value with starting capital, monthly contributions and compounding frequency — with an optional inflation adjustment for honest purchasing power.

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Future value (nominal)
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Value in today's dollars
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Total deposited
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Total interest earned

Year-by-year growth

YearBalance (nominal)Today's $
Why does compounding frequency matter? More frequent compounding earns interest on interest sooner. Daily vs annual on $10k at 8% over 20 years is roughly an $8,000 difference. The formula: FV = P(1+r/n)^(nt) + PMT·[(1+r/n)^(nt)−1]/(r/n).
What is "value in today's dollars"? Future dollars buy less. This shows your nominal balance discounted back at the inflation rate you set — so $300k in 2045 might only buy what ~$166k buys today at 3% inflation.
Is this advice? Projection only, under your assumptions. Real markets fluctuate; treat results as a planning range, not a promise, and model 2–3 return scenarios.