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See how your money grows.

Instant, transparent investing calculators. Find out how much of your final balance comes from what you saved — and how much from growth. Share any result with one link.

Your plan

$
$
%
20 years

How often interest is credited to your balance — your monthly contribution stays the same.

Estimated balance after 20 years Growth share 56.8%
$300,851
You invested$130,000
Investment growth$170,851
ContributionsGrowth
Show yearly breakdown
YearContributionsGrowthBalance

Transparent math

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Frequently asked questions

Is Caspenda free?
Yes. All calculators are free, require no sign-up, and store no data. Everything is computed locally in your browser.
What does "growth share" mean?
It's the percentage of your final balance that came from investment growth rather than money you contributed. For example, if you end with $300,851 after investing $130,000, growth made up about 57% of the total.
Are these calculations financial advice?
No. These are educational tools. Returns are hypothetical, assume a constant rate, and do not include taxes, inflation, fees or market volatility. See our Disclaimer.
Why doesn't the DCA vs Lump Sum model use real market volatility?
This version models a constant return to isolate the pure math. In real markets lump sum historically wins on average, but dollar-cost averaging reduces the risk of investing right before a downturn. Neither outcome is guaranteed.