Compound interest calculator
Illustrating the long-term power of consistent investing, adjusted for inflation.
Your assumptions
Final value
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In future money
Real value
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In today's money
Total invested
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Your contributions
Real gain
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Total value (nominal)
Real value (today's money)
Amount invested
The real value line deflates the nominal total by cumulative inflation each year, showing what your future pot is worth in today's purchasing power. The gap between the green and blue lines represents the cost of inflation over time. For illustrative purposes only — actual returns will vary and are not guaranteed.
Potential income in retirement
Annual income (today's money)
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Based on withdrawing 4.5% of the real (inflation-adjusted) final value each year. This is a commonly used planning assumption — sometimes called the "sustainable withdrawal rate" — though actual sustainable income will depend on investment performance, tax, and personal circumstances. For illustrative purposes only.