- Enter the starting balance, monthly contribution and period.
- Set an investment return assumption and an effective annual deposit rate.
- Compare final amounts and their difference; try alternative rates without changing contributions.
Investing vs bank deposit
Compare two constant-return scenarios with the same starting capital, monthly contributions and period. Separate the effect of the entered rate from the amount contributed. Free, without registration.
Starting values are an example. Replace them with your own.
Amount currency, without conversion
Investment scenario$8,057.66
Deposit scenario$7,617.37
Difference$440.29
Method and limitations
Both scenarios use effective annual returns and end-of-month contributions. The model does not claim the same risk, guarantee, liquidity or tax treatment for investments and deposits.
How to use this calculator
How the calculation works
Both scenarios use effective annual returns and end-of-month contributions. The model does not claim the same risk, guarantee, liquidity or tax treatment for investments and deposits.
How to read the result
Both sides convert effective annual rates to monthly growth and add contributions at month-end. A higher calculated final amount says nothing by itself about risk, guarantees, liquidity or whether a product is available.
What you can do here
Change one input at a time and compare the result immediately. The calculation runs in your browser, with assumptions and limitations below the form. Default values are examples, not recommendations or live market data.
To compare a recurring investment contribution with income and payment dates, open the DCA budget planner.
Frequently asked questions
What does this calculator show?
Compare two constant-return scenarios with the same starting capital, monthly contributions and period. Separate the effect of the entered rate from the amount contributed.
Does this use current bank offers?
No. Both rates are entered by you and held constant. Deposit terms, caps, early-withdrawal rules and taxes are not fetched or checked.
Does this prove that investing is better than a deposit?
No. It compares arithmetic under assumptions, not products with equal risks or legal guarantees.
Do I need an account or payment to calculate?
No. All fields and results are free. You can change inputs and compare scenarios without an account. An account is only needed for synchronising a plan in the dashboard.