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CoinucationCompound growth calculator
Enter a starting balance, an assumed annual return, optional monthly contributions and a number of years. The table shows the balance at the end of each year and how much of it is contributions versus growth.
| Year | Balance | Contributed | Growth |
|---|---|---|---|
| 1 | $11,608 | $10,000 | $1,608 |
| 2 | $13,474 | $10,000 | $3,474 |
| 3 | $15,639 | $10,000 | $5,639 |
| 4 | $18,154 | $10,000 | $8,154 |
| 5 | $21,072 | $10,000 | $11,072 |
| 6 | $24,459 | $10,000 | $14,459 |
| 7 | $28,391 | $10,000 | $18,391 |
| 8 | $32,955 | $10,000 | $22,955 |
| 9 | $38,253 | $10,000 | $28,253 |
| 10 | $44,402 | $10,000 | $34,402 |
Compounds monthly at the annual rate / 12; contributions added at month end. The return is your assumption, not a forecast.
The assumption is yours
This calculator does not predict returns. It compounds whatever rate you enter, which for crypto is an assumption with enormous uncertainty. Try a range of rates, including negative ones, to see how sensitive the outcome is.
How compounding is applied
Growth compounds monthly at the annual rate divided by twelve, and contributions are added at the end of each month. Taxes, fees and inflation are not included.
Frequently asked questions
What return should I assume?
There is no right answer for crypto. Long-run equity markets have returned roughly 7% to 10% a year nominally; crypto has had both much higher years and losses over 70%. Use several scenarios rather than one.
Does it include inflation?
No. Subtract an inflation estimate from your assumed return to see growth in today's money.
Is this financial advice?
No. It is arithmetic on the inputs you choose.
This calculator is for information only and is not financial, tax or investment advice. Results depend on the inputs you enter and on market data that can be delayed. Ownership and conflict disclosure.