Private · formula-based · no live rates
Project a starting amount and monthly contributions using a nominal annual rate, a selected compounding frequency and explicit contribution timing.
Planning estimate only—not financial advice, a product quote, a forecast or a guaranteed return.
| Period | Cumulative contributions | Cumulative interest | Projected balance |
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This simpler calculator uses the same reviewed AfroTools Investment Return engine as the full investment projection. It converts the entered nominal annual rate into the selected periodic rate, then into an equivalent monthly growth rate so regular monthly contributions can be applied consistently. Contributions are added either before or after each month’s growth, as selected.
Calculations keep full floating-point precision and round only displayed values. Fees, taxes, inflation, withdrawals, defaults, rate changes and currency movement are outside this view. The full Investment Return Calculator adds inflation-adjusted value and sensitivity scenarios.
With an initial 100,000, an end-of-month contribution of 10,000, an 8% nominal annual rate compounded monthly and a five-year term, total contributions are 700,000 and the projected balance is 883,753.13, including 183,753.13 projected interest. Reviewed 23 July 2026 using the shared engine.
Enter a nominal annual rate. The calculator derives the periodic rate and shows the corresponding effective annual rate.
Choose beginning or end of month. A beginning contribution receives that month’s growth; an end contribution does not.
No. It uses only your entries. Verify current product rates, fees, tax and withdrawal conditions with the provider.