COMPOUND GROWTH

See how compound growth works.

Change the inputs and watch a hypothetical balance evolve. The rate is an assumption; not a prediction or a guaranteed return.

CHANGE THE INPUTS

Your assumptions

Amounts are in Australian dollars. Changes update the illustration automatically.

Starting balance (A$)

Monthly contribution (A$)

Years invested

Assumed annual return (%)

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Illustrative final balance

;

Illustration only · Not a guaranteed outcome

Same contributions, different assumptions

Not forecasts. See how outcomes change if the return is negative, flat or positive.

−3% a year

0% a year

+6% a year

Total contributed;

Growth / loss from assumed returns;

Investment period;

This simplified illustration is for education only. It is not investment or financial advice. Markets and actual fees may differ considerably.

What this shows

In this simplified model, the balance grows (or shrinks) by the assumed monthly rate and a contribution is made at the end of each month. Growth is compounded monthly. The calculation ignores taxes, fees and inflation.

Important limitations

Returns in real markets vary and may be negative. A constant annual rate is a teaching assumption, not a realistic representation of market movements. A positive calculator result cannot guarantee a profitable investment.

Need context? Read our guide to fees, risk and return explainer or financial disclaimer.