TIME VALUE / GROW FORWARD
Project a starting balance and fixed end-of-year contributions at one constant annual growth rate, separating contributions from estimated growth.
Use boundary
Each annual cycle grows the opening balance at the entered rate and then adds the fixed contribution, matching an ordinary end-of-year contribution convention.
Each year: ending balance = opening balance x (1 + annual rate) + end-of-year contribution.
What you provide
What you receive
Use boundary
Returns are rarely constant; fees, taxes, inflation, contribution timing, and market volatility can materially change actual value.
This calculator is an educational scenario model, not investment, tax, accounting, or valuation advice. Confirm definitions, timing, and decisions with source documents and a qualified professional.