See how a starting amount and regular monthly savings grow over time with compound interest. Project your future balance and the interest you earn.
Future value
RM 94,111.23
RM 24,111.23 of it is interest
Future value: RM 94,111.23
Final balance
RM 94,111.23
Projection only. Returns are not guaranteed; figures assume a constant rate.
RM10k start + RM500/mo, 5% / 10y
About RM70k of that is your contributions; the rest is compound growth.
≈ RM94,000
RM0 start + RM1,000/mo, 6% / 20y
Contributing RM240k — compounding more than doubles it over 20 years.
≈ RM462,000
How the figures above are worked out — the rules, rates and reasoning behind every line.
Compound interest means you earn returns on your returns, not just your original savings. Over years, that snowball effect does most of the heavy lifting.
Start earlier and contribute regularly, and a modest monthly amount can grow into a large balance.
We compound your balance monthly and add your contribution each month. Future value = starting amount grown by the rate, plus the growth of every contribution along the way.
The longer the horizon and the higher the rate, the larger the share of your final balance that comes from interest rather than what you put in.
Use a return you can actually expect. EPF's long-run dividends and broad index funds are common reference points; cash and FDs return less but carry less risk.
Compound interest is interest earned on both your original amount and the interest already added. Your money grows faster over time because each period's interest also earns interest.
This calculator compounds monthly and assumes your monthly contribution is added at the end of each month.
Yes. Regular contributions, combined with compounding over many years, often make up a large part of your final balance even at modest amounts.
Every figure is based on official Malaysian sources. Always confirm against the originals before filing or making financial decisions.
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