Compare annual and monthly simple or compound models for stocks, crypto, or a custom scenario.
Adjust the inputs and see the difference instantly in your browser.
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Compound growth applies the modeled rate to the current balance, including prior modeled earnings. The result depends entirely on the assumption you enter and should not be read as a guaranteed outcome.
This planner also includes simple-interest paths, where prior earnings are excluded from the interest base, so you can see how the model choice changes the curve.
Your monthly contribution is added at the end of each modeled period.
Compare annual and monthly timing with simple and compound interest side by side.
Add an optional inflation assumption to view a purchasing-power reference line.
The annual models apply one period per year; the monthly models apply twelve periods per year. Compound models include prior modeled earnings in the next interest base, while simple models do not.
| Model | Periods / year | Prior earnings included? | Contribution timing |
|---|---|---|---|
| Annual simple | 1 | No | End of period |
The other three options use the same end-of-period contribution convention.
No. The curve shows only the return assumption you entered and should not be used as a promise about future performance.
Enter an optional inflation assumption. The dashed line discounts the selected nominal balance by that rate; it is a purchasing-power reference, not an inflation forecast.
No. This browser-local projection uses the entered nominal rate and excludes taxes, fees, volatility, liquidity, and sequence of returns.