Total contributions
¥820,000
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Compound and Monthly Contribution Calculator
Compare principal, recurring contributions, annual return, time and inflation. Advanced mode reverse-calculates a target and compares a second return assumption.
Basic Compound Plan
Compound Growth and Monthly Contributions
Final balance
¥2,173,093
Compound earnings
¥1,353,093
62.3% of final balance comes from earnings
Real purchasing power
¥1,203,189
Adjusted for 3% inflation
Growth Curve
Contributions and Balance Growth
Gray: contributionsOrange: final balance
Trying to decide between DCA and a lump sum?
Use the calculator for contribution math, then read the DCA vs. lump-sum decision guide to separate paycheck investing from staging cash you already have.
Frequently asked questions
Is this financial advice?
No. It is a fixed-return assumption calculator. It does not predict markets, recommend securities or guarantee outcomes.
Are my amounts submitted?
No. Principal, monthly contribution, target and inflation calculations run in the browser.
Why include inflation?
A nominal future balance can look large while purchasing power is materially lower. The calculator shows both.
What does target reverse calculation do?
It estimates either how many years the current plan needs or the monthly contribution required for the chosen horizon.
