finance simulation engine
Compound interest, modeled as a workbench.
Run deterministic scenarios for saving, investing, inflation, tax, fees, withdrawals, and irregular cashflows.
finance simulation engine
Future Value
Project ending value from starting balance, contributions, returns, fees, tax, and inflation.
Inputs
Future Value
Starting balance
1000Contribution amount
100Annual return
7%Years
10Advanced assumptionsFees, tax, timing, compounding, withdrawals, and irregular cashflows.
Irregular cashflows
Financial scene
$19,318.14
Real ending balance: $15,091.30
Total gain$6,318.14
Goal progress0.2%
Required contribution—
Months to goal—
Present value needed—
NominalRealContributedFee and tax drag
Target not reached0.2%$100,000.00
No warnings
This calculator is an educational deterministic simulation, not financial, investment, legal, or tax advice. Returns, tax, and fee results depend on the assumptions you enter.
Breakdown
Breakdown
| Year | Starting balance | Contributions | Withdrawals | Fees | Tax | Gain | Ending balance | Real ending balance | Goal progress |
|---|---|---|---|---|---|---|---|---|---|
| 1 | $1,000.00 | $1,200.00 | $0.00 | $0.00 | $0.00 | $111.55 | $2,311.55 | $2,255.17 | 0% |
| 2 | $2,311.55 | $1,200.00 | $0.00 | $0.00 | $0.00 | $206.36 | $3,717.91 | $3,538.76 | 0% |
| 3 | $3,717.91 | $1,200.00 | $0.00 | $0.00 | $0.00 | $308.03 | $5,225.94 | $4,852.80 | 0.1% |
| 4 | $5,225.94 | $1,200.00 | $0.00 | $0.00 | $0.00 | $417.04 | $6,842.98 | $6,199.40 | 0.1% |
| 5 | $6,842.98 | $1,200.00 | $0.00 | $0.00 | $0.00 | $533.94 | $8,576.92 | $7,580.74 | 0.1% |
| 6 | $8,576.92 | $1,200.00 | $0.00 | $0.00 | $0.00 | $659.28 | $10,436.20 | $8,999.10 | 0.1% |
| 7 | $10,436.20 | $1,200.00 | $0.00 | $0.00 | $0.00 | $793.69 | $12,429.89 | $10,456.84 | 0.1% |
| 8 | $12,429.89 | $1,200.00 | $0.00 | $0.00 | $0.00 | $937.82 | $14,567.71 | $11,956.40 | 0.1% |
| 9 | $14,567.71 | $1,200.00 | $0.00 | $0.00 | $0.00 | $1,092.36 | $16,860.07 | $13,500.33 | 0.2% |
| 10 | $16,860.07 | $1,200.00 | $0.00 | $0.00 | $0.00 | $1,258.07 | $19,318.14 | $15,091.30 | 0.2% |