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This calculator is designed to show graphically the effects of varying interest rates, time periods, taxes and inflation on your investments.

  1. THIS IS A JAVA-BASED CALCULATOR. We consider it to be one of our best calculators, however recent changes to Java security mean it won't run in most newer browsers. The best option is to use Internet Explorer which still runs Java. If you're using the new Microsoft Edge browser, you can still open this calculator in Internet Explorer. Select the More option (...) located at the top of the Edge browser and click on Open with Internet Explorer.

  2. Enter your investment variables by moving the sliders to the desired values.  Results will be calculated dynamically as you adjust these values.

  3. Please note that the sliders don't work in some browsers due to Java incompatibilities. As an alternative, you can enter the relevant values in the text boxes and hit "Enter" on your keyboard to calculate your result.



This calculator couldn't load because either:

  1. Your browser doesn't support Java; or
  2. Your browser supports Java but Java isn't turned on.

You'll need to turn on Java in your browser or open a different browser to use this calculator.


  1. You may need to authorize Java to run this calculator. Alternatively, you may need to log into your Java Control Panel and configure your security settings to allow Java to run. To do this, go to Windows Control Panel or the Apps list, then click "Java" and configure. Under the "Security" tab, click "Enable Java" and/or add under "Exception Site List". You may need to reload the page for the changes to take effect.
  2. Annual investments are made at the beginning of each year.
  3. Interest is paid and taxed at the end of each year.
  4. Investment balances shown are at the end of each year.
  5. Simple Earnings are earnings paid on your total investment assuming interest is not reinvested.
  6. Compound Earnings are additional earnings assuming interest is reinvested. 
  7. Total Value is the sum of your Total Investment, Simple Earnings and Compound Earnings.
  8. All earnings shown are net of tax.

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Last modified: Wednesday, August 5, 2020.