Track uneven contributions, compounding frequency, and timeline changes easily. Review growth, schedules, and exports. Make better saving decisions with clear data and charts.
| Deposit Date | Deposit Amount | Purpose |
|---|---|---|
| 2026-02-15 | $500.00 | Bonus contribution |
| 2026-04-10 | $1,200.00 | Quarterly savings |
| 2026-07-25 | $750.00 | Midyear top-up |
| 2026-10-05 | $1,500.00 | Large planned deposit |
This calculator converts the selected nominal annual rate into a daily effective rate. It then applies each deposit on its exact date. After that, it compounds interest day by day.
Daily Effective Rate:
rdaily = (1 + r / m)m / 365 - 1
Daily Balance Update:
New Balance = (Old Balance + Deposit on Date) × (1 + rdaily)
Where:
Saving rarely follows a fixed pattern. Many people add money when cash is available. Bonuses, side income, and seasonal earnings all change deposit timing. A normal calculator may miss this behavior. This tool handles uneven deposits clearly. It helps you estimate realistic growth.
The calculator starts with your opening balance. It reads the annual rate and compounding frequency. Then it converts that setup into a daily effective rate. Each listed deposit is added on its exact date. Interest is then applied to the updated balance. This creates a detailed running schedule.
Earlier deposits usually earn more interest. They stay invested longer. Later deposits still help, but their growth window is shorter. That is why two plans with the same total contributions can finish with different results. Timing matters almost as much as amount.
You see the future value first. You also see total interest, irregular deposit totals, and net gain. These numbers help you compare different savings plans. The chart makes trend changes easy to spot. The schedule gives daily detail for auditing.
Try several deposit scenarios. Move a large deposit earlier. Increase one midyear contribution. Test a higher rate or longer timeline. Small changes can create useful differences. This helps with goal planning, emergency funds, and long-term investing.
The export tools add extra value. Use CSV for record keeping or spreadsheet work. Use PDF for sharing or saving a summary. This makes the calculator useful for personal finance reviews, client illustrations, and quick savings checks.
Irregular deposits are contributions made on non-fixed dates or for different amounts. They do not follow a strict monthly or weekly pattern.
Yes. Earlier deposits usually earn more interest because they stay invested longer. The same total contribution can produce different outcomes if dates change.
Yes. The calculator combines deposits that share the same date. It adds them together before daily interest is applied.
Use one line per entry in this format: YYYY-MM-DD,amount. Example: 2026-04-10,1200
A daily rate helps model exact deposit dates more smoothly. It reflects uneven contributions better than a simple periodic estimate.
Net gain is the final balance minus all money you contributed. It shows how much growth came from earned interest alone.
Yes. You can download the full schedule as CSV. You can also save the visible result section as a PDF file.
Yes. It is useful for forecasting savings growth when deposits vary. It gives a more realistic picture than fixed-payment tools.
Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.