Advanced Compound
Calculator
Appendix / Feature Explanations →
Starting principal
Annual return (mean)
Years (growth)
Years (drawdown)
Compounds per year
Monthly (12)
Daily (365)
Quarterly (4)
Annually (1)
Monthly contribution
Contribution cadence
Monthly
Bi-Weekly (~14d)
Weekly (~7d)
Daily (30/mo)
Deposit timing
End of period
Start of period
Contribution policy
Always contribute the monthly amount
Stop once interest ≥ monthly contribution
Cap user pay-in at monthly target (interest offsets)
In this policy, contributions are applied at end of period and the “extra interest deposit” switch is ignored.
Cap applies to
Total inflow (interest offsets)
User pay-in only (interest doesn’t offset)
Excess interest (when interest > monthly target)
Reinvest excess interest
Skim excess interest as withdrawal
Also add each period’s interest as extra deposit
Show monthly breakdown
Drawdown: fixed monthly withdrawal
Use 4% rule (overrides fixed)
Add as compare
Clear compare
Calculate
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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Yearly schedule
Year
Balance
Interest (yr)
Contrib (yr)
Withdraw (yr)
Monthly breakdown
Year
Month
Balance
Interest
Contrib
Withdraw