Regular Deposits Calculator
Compound Interest Calculator with Regular Deposits
See how regular saving or investing changes your final balance over time. Include deposit frequency, timing, annual increases, inflation and fees.
Outputs
Results
Enter your numbers and click calculate.
Year-by-year table
A yearly summary of balance, contributions and interest.
| Year | Deposits | Withdrawals | Interest | Tax / fees | End balance |
|---|
What if I allow five more years?
Calculate to see the comparison.
Simple vs compound interest
Calculate to see the comparison.
Excel formula
A matching FV formula is available for constant monthly payments without tax, fees or account exhaustion. Annual and increasing payments require the exported schedule. Inflation adjustment is separate.
=FV(...)Growth chart
Compare your balance, net cash paid in and net growth or loss after deductions. Negative returns remain visible.
Month-by-month table
Click a year to expand the monthly breakdown.
Guide
Deposit frequency, timing and increases
£10,000 plus £250 deposited at the end of every month at a 5% nominal annual rate, compounded monthly for ten years, becomes approximately £55,290.66. £30,000 comes from the additional deposits.
Annual deposits occur at the start or end of each year, rather than being split into monthly payments. An annual increase changes payments after each full year. Weekly deposits are approximated as 52/12 weekly payments each month. See the deposit guide for examples.
How this calculator works
This version is set up for regular contributions. Add your starting amount, the amount you plan to deposit, and whether deposits happen weekly, monthly or annually. The calculator shows how much of the final value came from your own contributions and how much came from compound growth.
You can still change every input: currency, interest rate, years and months, compounding frequency, contribution timing, inflation and tax or fees. Use the share URL button to save a pre-filled version of the result.
FAQ