SavingsCalculator.ca A LITTLE MORE CLARITY
Compare two savings plans
Change a deposit or interest assumption and compare the same timeline, ledger and inflation view.
YOUR LITTLE PLAN, WITH A BIGGER PICTURE
Calculated on your deviceTwo paths. Your choice.
Try your numbers. The picture updates as you go.
Fine-tune the assumptions
Give the second plan a twist
All other assumptions stay the same.
A rate is only part of the story
Try increasing the monthly deposit by $25, then return it to the original amount and change only the rate. You'll see the effect of each decision separately.
YOUR PROJECTED BALANCE$79,288
After 120 months · $79,288.27 with cents
You put in$61,000
Net growth$18,288
In today's dollars$65,044
Projected balanceYour contributionsSecond plan
Second plan: $82,478
$3,189.96 difference at the same date. Different deposits mean this is not a rate-only comparison.
Fixed assumptions. Equivalent monthly growth. Monthly cent rounding. See the method
Interest $18,288.27 · Tax assumption $0.00 · Fees $0.00
See every month in the ledger
| Month | Deposit | Interest | Interest tax | Account fee | Closing balance | Contributed |
|---|---|---|---|---|---|---|
| 0 | $0.00 | $0.00 | $0.00 | $0.00 | $1,000.00 | $1,000.00 |
| 1 | $500.00 | $4.17 | $0.00 | $0.00 | $1,504.17 | $1,500.00 |
| 2 | $500.00 | $6.27 | $0.00 | $0.00 | $2,010.44 | $2,000.00 |
| 3 | $500.00 | $8.38 | $0.00 | $0.00 | $2,518.82 | $2,500.00 |
| 4 | $500.00 | $10.50 | $0.00 | $0.00 | $3,029.32 | $3,000.00 |
| 5 | $500.00 | $12.62 | $0.00 | $0.00 | $3,541.94 | $3,500.00 |
| 6 | $500.00 | $14.76 | $0.00 | $0.00 | $4,056.70 | $4,000.00 |
| 7 | $500.00 | $16.90 | $0.00 | $0.00 | $4,573.60 | $4,500.00 |
| 8 | $500.00 | $19.06 | $0.00 | $0.00 | $5,092.66 | $5,000.00 |
| 9 | $500.00 | $21.22 | $0.00 | $0.00 | $5,613.88 | $5,500.00 |
| 10 | $500.00 | $23.39 | $0.00 | $0.00 | $6,137.27 | $6,000.00 |
| 11 | $500.00 | $25.57 | $0.00 | $0.00 | $6,662.84 | $6,500.00 |
| 12 | $500.00 | $27.76 | $0.00 | $0.00 | $7,190.60 | $7,000.00 |
| 13 | $500.00 | $29.96 | $0.00 | $0.00 | $7,720.56 | $7,500.00 |
| 14 | $500.00 | $32.17 | $0.00 | $0.00 | $8,252.73 | $8,000.00 |
| 15 | $500.00 | $34.39 | $0.00 | $0.00 | $8,787.12 | $8,500.00 |
| 16 | $500.00 | $36.61 | $0.00 | $0.00 | $9,323.73 | $9,000.00 |
| 17 | $500.00 | $38.85 | $0.00 | $0.00 | $9,862.58 | $9,500.00 |
| 18 | $500.00 | $41.09 | $0.00 | $0.00 | $10,403.67 | $10,000.00 |
| 19 | $500.00 | $43.35 | $0.00 | $0.00 | $10,947.02 | $10,500.00 |
| 20 | $500.00 | $45.61 | $0.00 | $0.00 | $11,492.63 | $11,000.00 |
| 21 | $500.00 | $47.89 | $0.00 | $0.00 | $12,040.52 | $11,500.00 |
| 22 | $500.00 | $50.17 | $0.00 | $0.00 | $12,590.69 | $12,000.00 |
| 23 | $500.00 | $52.46 | $0.00 | $0.00 | $13,143.15 | $12,500.00 |
| 24 | $500.00 | $54.76 | $0.00 | $0.00 | $13,697.91 | $13,000.00 |
| 25 | $500.00 | $57.07 | $0.00 | $0.00 | $14,254.98 | $13,500.00 |
| 26 | $500.00 | $59.40 | $0.00 | $0.00 | $14,814.38 | $14,000.00 |
| 27 | $500.00 | $61.73 | $0.00 | $0.00 | $15,376.11 | $14,500.00 |
| 28 | $500.00 | $64.07 | $0.00 | $0.00 | $15,940.18 | $15,000.00 |
| 29 | $500.00 | $66.42 | $0.00 | $0.00 | $16,506.60 | $15,500.00 |
| 30 | $500.00 | $68.78 | $0.00 | $0.00 | $17,075.38 | $16,000.00 |
| 31 | $500.00 | $71.15 | $0.00 | $0.00 | $17,646.53 | $16,500.00 |
| 32 | $500.00 | $73.53 | $0.00 | $0.00 | $18,220.06 | $17,000.00 |
| 33 | $500.00 | $75.92 | $0.00 | $0.00 | $18,795.98 | $17,500.00 |
| 34 | $500.00 | $78.32 | $0.00 | $0.00 | $19,374.30 | $18,000.00 |
| 35 | $500.00 | $80.73 | $0.00 | $0.00 | $19,955.03 | $18,500.00 |
| 36 | $500.00 | $83.15 | $0.00 | $0.00 | $20,538.18 | $19,000.00 |
| 37 | $500.00 | $85.58 | $0.00 | $0.00 | $21,123.76 | $19,500.00 |
| 38 | $500.00 | $88.02 | $0.00 | $0.00 | $21,711.78 | $20,000.00 |
| 39 | $500.00 | $90.47 | $0.00 | $0.00 | $22,302.25 | $20,500.00 |
| 40 | $500.00 | $92.93 | $0.00 | $0.00 | $22,895.18 | $21,000.00 |
| 41 | $500.00 | $95.40 | $0.00 | $0.00 | $23,490.58 | $21,500.00 |
| 42 | $500.00 | $97.88 | $0.00 | $0.00 | $24,088.46 | $22,000.00 |
| 43 | $500.00 | $100.37 | $0.00 | $0.00 | $24,688.83 | $22,500.00 |
| 44 | $500.00 | $102.87 | $0.00 | $0.00 | $25,291.70 | $23,000.00 |
| 45 | $500.00 | $105.38 | $0.00 | $0.00 | $25,897.08 | $23,500.00 |
| 46 | $500.00 | $107.90 | $0.00 | $0.00 | $26,504.98 | $24,000.00 |
| 47 | $500.00 | $110.44 | $0.00 | $0.00 | $27,115.42 | $24,500.00 |
| 48 | $500.00 | $112.98 | $0.00 | $0.00 | $27,728.40 | $25,000.00 |
| 49 | $500.00 | $115.54 | $0.00 | $0.00 | $28,343.94 | $25,500.00 |
| 50 | $500.00 | $118.10 | $0.00 | $0.00 | $28,962.04 | $26,000.00 |
| 51 | $500.00 | $120.68 | $0.00 | $0.00 | $29,582.72 | $26,500.00 |
| 52 | $500.00 | $123.26 | $0.00 | $0.00 | $30,205.98 | $27,000.00 |
| 53 | $500.00 | $125.86 | $0.00 | $0.00 | $30,831.84 | $27,500.00 |
| 54 | $500.00 | $128.47 | $0.00 | $0.00 | $31,460.31 | $28,000.00 |
| 55 | $500.00 | $131.08 | $0.00 | $0.00 | $32,091.39 | $28,500.00 |
| 56 | $500.00 | $133.71 | $0.00 | $0.00 | $32,725.10 | $29,000.00 |
| 57 | $500.00 | $136.35 | $0.00 | $0.00 | $33,361.45 | $29,500.00 |
| 58 | $500.00 | $139.01 | $0.00 | $0.00 | $34,000.46 | $30,000.00 |
| 59 | $500.00 | $141.67 | $0.00 | $0.00 | $34,642.13 | $30,500.00 |
| 60 | $500.00 | $144.34 | $0.00 | $0.00 | $35,286.47 | $31,000.00 |
| 61 | $500.00 | $147.03 | $0.00 | $0.00 | $35,933.50 | $31,500.00 |
| 62 | $500.00 | $149.72 | $0.00 | $0.00 | $36,583.22 | $32,000.00 |
| 63 | $500.00 | $152.43 | $0.00 | $0.00 | $37,235.65 | $32,500.00 |
| 64 | $500.00 | $155.15 | $0.00 | $0.00 | $37,890.80 | $33,000.00 |
| 65 | $500.00 | $157.88 | $0.00 | $0.00 | $38,548.68 | $33,500.00 |
| 66 | $500.00 | $160.62 | $0.00 | $0.00 | $39,209.30 | $34,000.00 |
| 67 | $500.00 | $163.37 | $0.00 | $0.00 | $39,872.67 | $34,500.00 |
| 68 | $500.00 | $166.14 | $0.00 | $0.00 | $40,538.81 | $35,000.00 |
| 69 | $500.00 | $168.91 | $0.00 | $0.00 | $41,207.72 | $35,500.00 |
| 70 | $500.00 | $171.70 | $0.00 | $0.00 | $41,879.42 | $36,000.00 |
| 71 | $500.00 | $174.50 | $0.00 | $0.00 | $42,553.92 | $36,500.00 |
| 72 | $500.00 | $177.31 | $0.00 | $0.00 | $43,231.23 | $37,000.00 |
| 73 | $500.00 | $180.13 | $0.00 | $0.00 | $43,911.36 | $37,500.00 |
| 74 | $500.00 | $182.96 | $0.00 | $0.00 | $44,594.32 | $38,000.00 |
| 75 | $500.00 | $185.81 | $0.00 | $0.00 | $45,280.13 | $38,500.00 |
| 76 | $500.00 | $188.67 | $0.00 | $0.00 | $45,968.80 | $39,000.00 |
| 77 | $500.00 | $191.54 | $0.00 | $0.00 | $46,660.34 | $39,500.00 |
| 78 | $500.00 | $194.42 | $0.00 | $0.00 | $47,354.76 | $40,000.00 |
| 79 | $500.00 | $197.31 | $0.00 | $0.00 | $48,052.07 | $40,500.00 |
| 80 | $500.00 | $200.22 | $0.00 | $0.00 | $48,752.29 | $41,000.00 |
| 81 | $500.00 | $203.13 | $0.00 | $0.00 | $49,455.42 | $41,500.00 |
| 82 | $500.00 | $206.06 | $0.00 | $0.00 | $50,161.48 | $42,000.00 |
| 83 | $500.00 | $209.01 | $0.00 | $0.00 | $50,870.49 | $42,500.00 |
| 84 | $500.00 | $211.96 | $0.00 | $0.00 | $51,582.45 | $43,000.00 |
| 85 | $500.00 | $214.93 | $0.00 | $0.00 | $52,297.38 | $43,500.00 |
| 86 | $500.00 | $217.91 | $0.00 | $0.00 | $53,015.29 | $44,000.00 |
| 87 | $500.00 | $220.90 | $0.00 | $0.00 | $53,736.19 | $44,500.00 |
| 88 | $500.00 | $223.90 | $0.00 | $0.00 | $54,460.09 | $45,000.00 |
| 89 | $500.00 | $226.92 | $0.00 | $0.00 | $55,187.01 | $45,500.00 |
| 90 | $500.00 | $229.95 | $0.00 | $0.00 | $55,916.96 | $46,000.00 |
| 91 | $500.00 | $232.99 | $0.00 | $0.00 | $56,649.95 | $46,500.00 |
| 92 | $500.00 | $236.04 | $0.00 | $0.00 | $57,385.99 | $47,000.00 |
| 93 | $500.00 | $239.11 | $0.00 | $0.00 | $58,125.10 | $47,500.00 |
| 94 | $500.00 | $242.19 | $0.00 | $0.00 | $58,867.29 | $48,000.00 |
| 95 | $500.00 | $245.28 | $0.00 | $0.00 | $59,612.57 | $48,500.00 |
| 96 | $500.00 | $248.39 | $0.00 | $0.00 | $60,360.96 | $49,000.00 |
| 97 | $500.00 | $251.50 | $0.00 | $0.00 | $61,112.46 | $49,500.00 |
| 98 | $500.00 | $254.64 | $0.00 | $0.00 | $61,867.10 | $50,000.00 |
| 99 | $500.00 | $257.78 | $0.00 | $0.00 | $62,624.88 | $50,500.00 |
| 100 | $500.00 | $260.94 | $0.00 | $0.00 | $63,385.82 | $51,000.00 |
| 101 | $500.00 | $264.11 | $0.00 | $0.00 | $64,149.93 | $51,500.00 |
| 102 | $500.00 | $267.29 | $0.00 | $0.00 | $64,917.22 | $52,000.00 |
| 103 | $500.00 | $270.49 | $0.00 | $0.00 | $65,687.71 | $52,500.00 |
| 104 | $500.00 | $273.70 | $0.00 | $0.00 | $66,461.41 | $53,000.00 |
| 105 | $500.00 | $276.92 | $0.00 | $0.00 | $67,238.33 | $53,500.00 |
| 106 | $500.00 | $280.16 | $0.00 | $0.00 | $68,018.49 | $54,000.00 |
| 107 | $500.00 | $283.41 | $0.00 | $0.00 | $68,801.90 | $54,500.00 |
| 108 | $500.00 | $286.67 | $0.00 | $0.00 | $69,588.57 | $55,000.00 |
| 109 | $500.00 | $289.95 | $0.00 | $0.00 | $70,378.52 | $55,500.00 |
| 110 | $500.00 | $293.24 | $0.00 | $0.00 | $71,171.76 | $56,000.00 |
| 111 | $500.00 | $296.55 | $0.00 | $0.00 | $71,968.31 | $56,500.00 |
| 112 | $500.00 | $299.87 | $0.00 | $0.00 | $72,768.18 | $57,000.00 |
| 113 | $500.00 | $303.20 | $0.00 | $0.00 | $73,571.38 | $57,500.00 |
| 114 | $500.00 | $306.55 | $0.00 | $0.00 | $74,377.93 | $58,000.00 |
| 115 | $500.00 | $309.91 | $0.00 | $0.00 | $75,187.84 | $58,500.00 |
| 116 | $500.00 | $313.28 | $0.00 | $0.00 | $76,001.12 | $59,000.00 |
| 117 | $500.00 | $316.67 | $0.00 | $0.00 | $76,817.79 | $59,500.00 |
| 118 | $500.00 | $320.07 | $0.00 | $0.00 | $77,637.86 | $60,000.00 |
| 119 | $500.00 | $323.49 | $0.00 | $0.00 | $78,461.35 | $60,500.00 |
| 120 | $500.00 | $326.92 | $0.00 | $0.00 | $79,288.27 | $61,000.00 |
Saving is optional. Only one plan is stored locally; use the CSV to keep another copy.