Assumptions
The calculation uses a constant annual return converted to a monthly rate. It does not include tax, fees, inflation, risk or changing contributions.
Example
Starting with 1,000, adding 100 per month for 10 years and assuming 5% annual return gives a future-value estimate based on monthly compounding and end-of-month contributions.
Common mistakes
Do not treat a constant return as a guarantee. Real investments can have negative years, fees, taxes and changing contribution patterns.
Limitations
For high-stakes financial decisions, compare scenarios and verify assumptions with qualified advice or official product documents.
Last reviewed: 2026-05-17