Project how an investment or savings plan could grow. Enter an initial deposit, a recurring contribution, how often you contribute, the expected annual return, and the number of years, and the calculator estimates the future value using monthly compounding. It separates the total you actually put in from the growth earned on top, so you can see how much of the final balance comes from your own money versus returns. This is useful for planning a long-term savings goal, a retirement account, or a regular investment habit. Returns are assumed constant and taxes and fees are ignored, so treat the result as an illustrative projection rather than a guarantee. Everything is calculated locally in your browser.