Compound Interest with Increasing Contributions Calculator
Model how your investment grows when you increase your contributions by a set percentage every year, on top of compound interest.
Projected Final Balance
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Starting balance—
Total contributions—
Interest earned—
About this calculator
Project investment growth when your annual contribution increases by a fixed percentage each year, compounded over time.
Frequently Asked Questions
Why increase contributions each year instead of keeping them flat?
Increasing contributions by a percentage each year (matching raises or inflation) can significantly boost your final balance compared to flat contributions, since more money compounds for longer.
Does this account for inflation?
Not directly — the projected balance is in nominal dollars. To estimate real purchasing power, you'd need to discount the result by an assumed inflation rate.
Are contributions applied at the start or end of each year?
This calculator applies growth to the balance first, then adds that year's contribution, approximating an end-of-year contribution schedule.