Keep Above
Compound growth
What a starting amount and a steady monthly deposit would grow to at a flat yearly rate — a rate you choose, because this page won't choose one for you. An illustration of how compounding arithmetic behaves, not a forecast of what any investment would do.
A figure you set, not a market one
Put in a starting amount or a monthly deposit and pick a rate. Nothing here is saved.
| You'd put in | — |
|---|---|
| The rate would add | — |
| Each dollar put in would become | — |
| Growth would pass the money put in | — |
A flat-rate illustration, not advice. Real investments rise and fall, and you can get back less than you put in. Fees and tax take a cut too. Nothing here is saved or connected to your accounts. Nothing here is financial advice.
This is one of the tools built into Keep Above
Keep Above is a budgeting app where you enter your bills and income and it works out the balance you need to keep — so you can see what's safe to spend. No bank connection, no ads on your data.
About this calculator
What convention does it use?
A monthly walk: each month the balance grows by (1+R)^(1/12)−1 — the monthly equivalent of the flat yearly rate — and the deposit is added. The stacked bars sample the years; the darker part is money put in, the lighter part is what the rate would add on top.
Why doesn't it suggest a rate?
Because a suggested rate is an implicit claim about achievable returns, and this page makes no claims about what any investment would do. The rate starts at 0 and every figure in the illustration is one you set.