Ending balance
$660,849
Total contributed
$190,000
Total growth
$470,849
Balance Over Time
How it's calculated
Balances compound monthly at a rate equivalent to your stated annual return. Each year, your monthly contribution grows by the contribution-growth rate (0% keeps it flat). If inflation is enabled, the real-balance line deflates the nominal balance year by year so you can see purchasing power in today's dollars. Because this tool compounds monthly rather than annually (unlike the Portfolio Risk tool), entering the same return here and there will produce slightly different numbers — that's the compounding convention, not an error.