Finance Formula • Published on July 30, 2026 • Last updated August 09, 2026
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Total projected future savings balance
Initial starting deposit amount
Regular periodic contribution deposit amount
Annual interest rate as decimal (Annual Rate / 100)
Compounding & contribution periods per year (e.g. 12 for monthly)
Investment duration in years
The Compound Savings Formula computes the total future wealth accumulated from an initial starting deposit (P) plus regular periodic additions (PMT) earning compound interest over time (t).
Compounding monthly reinvests your returns 12 times a year, generating interest on interest for both your initial deposit and every regular monthly addition.
Simple interest is earned only on the initial principal. Compound savings earns interest on your initial principal, your regular additions, and all accumulated interest.
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