Savings Growth With Increasing Contributions

The Savings Growth With Increasing Contributions Calculator shows how your savings transform when you boost your annual or monthly contributions by a set percentage each year (e.g., growing your deposit with each pay raise). Enter your initial balance, starting yearly contribution, planned percent increase, savings timeline, and expected return. Instantly get your ending balance, total contributed, growth earned, and track your year-by-year progress in a table.

What you have saved today.
Your savings for the first year.
Percent raise/increase to your savings each year.
How long you’ll keep saving and increasing contributions.
Compounding return from investments (after-tax/inflation).
Final Balance
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Total Contributions
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Interest/Growth Earned
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See how small annual increases turbocharge your savings growth—even if you only bump up by 2–3% each year.

Steady saving is good, but gradual increases, especially after each raise, can dramatically speed up your financial goals. This calculator proves how powerful that “annual bump” really is. Even a 2-3% yearly boost means much bigger balances down the road, thanks to compounding on top of a growing base.

  • Visualize your path: see your year-by-year contribution and balance grow together
  • Find your “stretch” setting: compare how 0%, 2%, or 5% annual increases change your results
  • Motivate yourself to commit to small, sustainable increases that add up—without big lifestyle cuts

The key to fast, lasting savings isn’t a heroic leap; it’s small upward steps, year after year.
Use this tool to plan, adjust, and watch your savings accelerate the smart way!