Monthly Savings Growth Calculator
See how recurring monthly savings grow with compound interest over time.
What you have saved today.
Illustrative only — returns vary and aren't guaranteed.
Future value
$160,316.74Total contributed
$73,000.00Growth earned
$87,316.74The compounding, on top of what you put in
Private — runs entirely in your browser. Nothing is sent or stored.
This tool is for education and planning only. It is not financial advice. Your inputs run in your browser and are not stored by Recurrings.
Why small, repeated amounts win
The magic isn't the size of any single contribution — it's the repetition, multiplied by time. Each month's balance earns a return, and that return earns its own return. The longer it runs, the more the growth comes from growth rather than from what you add.
Watch the growth earned line as you stretch the years out: for long horizons it can dwarf the total you contributed. That gap is compounding doing the work.
How this fits into your recurring money
A recurring contribution is the one kind of recurring money that works for you instead of against you. Everything else on Recurrings is a claim on your future — subscriptions, bills, loans. This is the opposite: a repeating habit that compounds in your favour.
The catch is that it competes for the same dollars as all those other recurring costs. Trimming the waste — the unused subscriptions, the price creep — is exactly what frees up the room to save. That's the connection Recurrings is built around.
The math
future value = PV·(1+i)^n + PMT·[ ((1+i)^n − 1) / i ]
i = annual return ÷ 12, n = years × 12Your starting balance grows on its own, and each monthly contribution grows for however many months remain. Add them up and you get the future value; subtract what you put in and the rest is compounding.
An illustration only — real returns vary, aren't guaranteed, and ignore inflation, taxes, and fees. Not investment advice.
Common questions
How does compound growth work?
Each month's balance earns a return, and that return then earns its own return. Over years the growth on past growth outpaces what you put in — which is why starting early matters more than the amount.
What return rate should I assume?
There's no right answer — it depends entirely on what you invest in and the years ahead. Use a conservative figure to avoid flattering the result; this is an illustration, not a forecast or a guarantee.
Why a recurring contribution?
A steady monthly amount is the single most powerful recurring habit in personal finance — it turns small, repeatable actions into a large balance through time and compounding.
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Lifetime cost of a subscription, plus the invested alternative.
The most powerful thing that repeats
A recurring contribution is the habit that builds wealth. Recurrings helps you protect the recurring money that funds it.
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