Should I save or invest my money?

That depends on your goals, time horizon, and risk tolerance. Use this calculator to compare expected growth under both options.

What assumptions does the calculator use?

The tool assumes compound interest for both saving and investing, and allows you to adjust growth rates and contribution patterns.

Yes, it's 100% free. No signup required.

Save or invest inputs

Inital balance:

Time period, years:

Regular contribution:

Contribution frequency:

START REGULAR PAYMENT ON MONTH:

Savings rate, AER:

Investment growth rate:

Make one-off contributions

Change regular contributions

Change savings interest rate

Change investment growth rate

Advanced options

Start date: