Future Wealth Calculator

Compare investing vs saving — see your future wealth.
Shared links include Future Wealth or Future Cost only (Monthly Budget is not included).

Future Wealth Calculator

This future wealth calculator helps you estimate how your savings and investments can grow over time. Enter your current savings, monthly contributions, and expected return rates to project your total future wealth and compare different financial scenarios.

What can you calculate?

  • Investment growth over time
  • Comparison of saving vs investing
  • Impact of inflation on your wealth
  • Opportunity cost of spending money today
  • Monthly budget surplus available for investing

Why this matters

Understanding how money grows is important for long-term financial planning. Small monthly investments can compound into significant wealth over time. This tool helps you visualise that growth and make better financial decisions.

Your total wealth after 25 years
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Value in today’s dollars: —
Breakdown (end)
— invested
— savings
Investment Savings Total (line) Savings (no investing)
Milestones
—
Money you already have
Money already in stocks/ETFs/funds. Put 0 if none.
Money in bank accounts. Put 0 if none.
Money you add each month
Source: Manual input
Savings contribution.
Tip: You can still edit manually after importing.
Assumptions (optional)
Presets adjust return/interest.
We use net return ≈ return − fees (simple Version 1 model).
Comparison
Compare: save everything instead of investing
Savings-only assumes your monthly “invest + save” goes into savings. Starting investments still grow.
Show yearly breakdown
We show years 0, 5, 10… to keep it easy to read.
Year Investment Savings (with investment) Total Savings (no investing)

Disclaimer: Educational estimate only. Not financial advice. Ignores tax and personal circumstances.

Monthly Budget
Add income and expenses. Everything can be removed/edited.
Income (monthly)
Expenses (monthly)
Results
Total income
—
Total expenses
—
Monthly surplus
—
—
Invest allocation
80%
Choose how much of your surplus goes to investing.
Invest per month
—
Save per month
—
Transfers totals only (no personal line items).
Future Cost
See what a purchase could become if invested instead.
Updates after you pause typing.
Future value (if invested)
—
Opportunity cost (future − today)
—
—

Frequently Asked Questions

What is a future wealth calculator?

A future wealth calculator estimates how your savings and investments grow over time. It considers factors such as monthly contributions, investment returns, fees, and inflation to project your total future wealth.

How does compound interest affect my investments?

Compound interest allows your investments to grow faster over time by earning returns on both your original investment and previous gains. The longer you invest, the more powerful compounding becomes.

What is compound interest?

Compound interest is the process where your money earns returns, and then those returns also begin earning returns. Over long periods, compounding can turn small regular contributions into much larger amounts.

This calculator includes compound growth by applying returns over time to your starting balance and ongoing monthly contributions, helping you understand long-term investment growth.

Is investing better than saving?

Saving is safer and more stable, but typically offers lower returns. Investing carries more risk, but has the potential for higher long-term growth. This calculator helps you compare both scenarios.

How accurate are the results?

The results are estimates based on the inputs you provide. Actual outcomes may vary depending on market conditions, interest rates, inflation, fees, and other economic factors.

Can I use this calculator for financial planning?

Yes, this tool is useful for understanding long-term financial trends and planning your savings and investment strategy. However, it should be used as a guide rather than financial advice.