Advanced Compound Calculator

Inputs

Starting principal

Annual return (mean)

Years (growth)

Years (drawdown)

Compounds per year

Monthly contribution

Contribution cadence

Deposit timing

Contribution policy

Also add each period’s interest as extra deposit

Show monthly breakdown

Drawdown

Fixed monthly withdrawal Use 4% rule (overrides fixed)

Actions

Deterministic Compare

Final balance

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Total interest

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Total contributions

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Total withdrawals

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Year	Balance	Interest (yr)	Contrib (yr)	Withdraw (yr)

Planning

Passive income target (monthly)

Uses current settings and estimates when monthly interest first reaches this target (accumulation phase).

Time to passive income

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Set a target to preview.

Goal passive income (monthly)

Time to hit goal (months)

Find required monthly contribution to hit the goal by the deadline.

Required total contribution (per month)

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Set target + months to preview.