Savings & Investment Calculator

Plan your savings with compound interest. Uses Philippine-focused defaults (BSP time deposit–style rates and inflation). Adjust rates to match your product or expectations.

When do you save?

Start year is when you begin saving; end year is when you plan to withdraw or reach maturity.

Start year

Withdraw / maturity year

Amounts (PHP)

Initial lump sum (optional) and how much you will add each year. Contributions are assumed at end of each year.

Initial amount (lump sum)

Annual contribution

Rates (Philippine context)

Defaults: interest ~4% (PH time deposit 1–5 years), inflation ~3.5% (BSP/PSA outlook). Change if you use a different product or assumption.

Annual interest / growth rate (%)

Annual inflation rate (%)

Inflation reduces purchasing power. "Real" value below shows your balance in today’s pesos.