justyourcalculatorSavings Calculator
Project your savings with regular deposits, interest and tax.
- 100% Free
- Instant Results
- No Sign Up
Savings Calculator
How your savings grow with deposits and interest
End balance
$92,116.99
after 10 years
- Initial deposit
- $20,000.00
- Total contributions
- $57,319.40
- Interest earned
- $14,797.59
Monthly contributions at the end of each month and annual contributions at the end of each year. Interest compounded annually.
- Starting amount$20,000
- Contributions$57,319
- Interest$14,798
- Starting amount
- Contributions
- Interest
| Year | Deposits | Interest | Ending balance |
|---|---|---|---|
| 1 | $5,000.00 | $600.00 | $25,600.00 |
| 2 | $5,150.00 | $768.00 | $31,518.00 |
| 3 | $5,304.50 | $945.54 | $37,768.04 |
| 4 | $5,463.64 | $1,133.04 | $44,364.72 |
| 5 | $5,627.54 | $1,330.94 | $51,323.20 |
| 6 | $5,796.37 | $1,539.70 | $58,659.27 |
| 7 | $5,970.26 | $1,759.78 | $66,389.31 |
| 8 | $6,149.37 | $1,991.68 | $74,530.36 |
| 9 | $6,333.85 | $2,235.91 | $83,100.12 |
| 10 | $6,523.87 | $2,493.00 | $92,116.99 |
More Financial Calculators
View all calculators- Compound Interest CalculatorGrow a balance, or convert between compounding periods
- CD CalculatorWhat a certificate of deposit earns by maturity
- Investment CalculatorGrow an investment, or solve for rate, time or deposit
- Budget CalculatorPlan spending and check it against the 50/30/20 rule
- Future Value CalculatorWhat a sum and regular payments grow to
- Mortgage CalculatorMonthly payment with taxes, insurance and PMI
- Loan CalculatorPayments for amortized, deferred and bond-type loans
- Auto Loan CalculatorCar payment with tax, fees, trade-in and rebates
- Retirement CalculatorHow much you need, how to save and what you can spend
- Calculators
- 204+
- Free to use
- 100%
- Results as you type
- Instant
How the savings calculator works
Your balance earns interest each month at the rate that matches your compounding choice, and your contributions are added on top. Contributions can rise each year, for example as your pay goes up.
If your savings are in a taxable account, interest is taxed as ordinary income each year. Enter your tax rate to see the after-tax balance; use 0% for tax-advantaged accounts.
Using and checking your result
Published by JustYourCalculator. Check the units and assumptions above, and compare a known example before relying on the output. Calculations use browser arithmetic and may round displayed values.
This is an educational estimate, not a lender quote, tax filing calculation or investment recommendation. Actual costs depend on current rules, fees and your circumstances. Verify important decisions with official sources and a qualified adviser.
Share links may contain your input values. Anyone with the URL can read them; avoid sharing sensitive personal or financial information.