Compound Growth Calculator
Model how a starting amount plus regular contributions grow over time, with dividend reinvestment on or off.
Growth over time
Year-by-year
| Year | Contributions | Growth | Balance |
|---|---|---|---|
| 1 | $16,000 | $1,055 | $17,055 |
| 2 | $22,000 | $2,695 | $24,695 |
| 3 | $28,000 | $4,970 | $32,970 |
| 4 | $34,000 | $7,932 | $41,932 |
| 5 | $40,000 | $11,637 | $51,637 |
| 6 | $46,000 | $16,148 | $62,148 |
| 7 | $52,000 | $21,531 | $73,531 |
| 8 | $58,000 | $27,859 | $85,859 |
| 9 | $64,000 | $35,210 | $99,210 |
| 10 | $70,000 | $43,669 | $113,669 |
| 11 | $76,000 | $53,329 | $129,329 |
| 12 | $82,000 | $64,288 | $146,288 |
| 13 | $88,000 | $76,655 | $164,655 |
| 14 | $94,000 | $90,546 | $184,546 |
| 15 | $100,000 | $106,088 | $206,088 |
| 16 | $106,000 | $123,419 | $229,419 |
| 17 | $112,000 | $142,685 | $254,685 |
| 18 | $118,000 | $164,049 | $282,049 |
| 19 | $124,000 | $187,684 | $311,684 |
| 20 | $130,000 | $213,778 | $343,778 |
| 21 | $136,000 | $242,537 | $378,537 |
| 22 | $142,000 | $274,180 | $416,180 |
| 23 | $148,000 | $308,948 | $456,948 |
| 24 | $154,000 | $347,099 | $501,099 |
| 25 | $160,000 | $388,915 | $548,915 |
Methodology & how to use this
Reinvest ON vs OFF
With reinvest on, every period's return compounds inside the balance: balance = balance × (1 + r/n) + contribution. With reinvest off, income is paid out and tracked separately instead of compounding — the balance only grows from your contributions, while income accrues each period on the full current balance at balance × (r/n). "Total value" is the two combined.
Compounding frequency
Monthly, quarterly, or annually — the annual return is split into r/n per period. Monthly compounding is the closest match to how most brokerage and dividend-reinvestment accounts actually work.
Frequently asked questions
Keep running the numbers
Related calculators worth pairing with this one.
Dollar-Cost Averaging Calculator
Model monthly investing vs a lump sum — and see what compounding really does.
Open
Retirement Savings Calculator
Project your nest egg and your sustainable annual income at retirement.
Open
Dividend Income Planner
Project future dividend income — or reverse-engineer the portfolio you need.
Open