Savings and compound interest calculator
Enter your starting capital, monthly contribution, annual interest and years and project the final balance, what you'll have contributed and the interest earned.
Savings details
Result
- Final balance
- 29.297,58 €
- Total contributed
- 25.000,00 €
- Interest earned
- 4297,58 €
How it's calculated
We apply compound interest month by month: each month the balance earns interest and your contribution is added, so interest also earns interest. The longer the horizon, the bigger the compounding effect.
It's an indicative projection with a constant rate. The real return on your savings or investments varies, isn't guaranteed and can be negative; it doesn't account for taxes or inflation.
Frequently asked questions
What is compound interest?
It's when the interest you earn is reinvested and, in turn, earns more interest. Over the long run it makes a huge difference versus simple interest.
Is the return guaranteed?
No. The simulator uses a fixed rate to illustrate compounding, but the real return on a savings or investment product fluctuates and can be lower or even negative.
Does it deduct taxes and inflation?
No. It shows the gross balance. Savings returns are usually taxed and inflation erodes purchasing power, so the real value will be lower.
Aurio calculates this for you from your transactions and invoices
Import your statements or add your invoices and keep your quarterly VAT, estimated form 130 and depreciation always up to date. Informative, private and with your data encrypted.
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Indicative, informational calculations: they are not tax advice and Aurio never files anything with the Spanish Tax Agency (AEAT). Check amounts and deadlines against current regulations or with your advisor.