Contributions and compound growth
See how an initial balance, monthly contributions, price return, and dividend yield accumulate under monthly and annual compounding.
Read the guide01HOW THE NUMBERS WORK
Go beyond producing a number. Understand what the result means.
These guides explain how inputs become results, using the calculation rules and test cases we created while designing and implementing Future Balance.
CALCULATION NOTES / SOSOPIXEL
We publish the rules behind the calculator we built
Each guide follows the calculation contract shared by the Future Balance iOS and Web products. Investment projections state when contributions arrive and how dividends are reinvested. Savings calculations distinguish the order used to round interest and tax. Reference fixtures compare the mobile and web implementations against the same expected results.
Total return and CAGR
Separate price change from cash dividends, then learn how cumulative return differs from an annualized growth rate.
Read the guideDeposit and installment maturity values
Understand why a lump-sum deposit and monthly savings earn different interest, and how gross interest, tax, and net maturity value relate.
Read the guideScenarios and portfolio projections
Compare return assumptions on equal terms and learn what to check before combining investments, deposits, and installment savings.
Read the guide