Recurring Savings โ Regular Deposits
FV = initialร(1+r)^n + depositร((1+r)^n-1)/r. Weekly, monthly, or quarterly โ more frequent = more compounding.
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12=monthly 52=weekly Automate Compound interest
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Why: Regular deposits build wealth through dollar-cost averaging.
How: Enter deposit amount, frequency, rate, years, and initial balance.
Run the calculator when you are ready.
Recurring Savings Calculator โ Grow With Regular Deposits
Weekly, bi-weekly, monthly, or quarterly โ see how regular deposits compound over time.
Sample Scenarios โ Click to Load
Savings Plan
Savings Analysis
Savings Plan
Results
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1. Key Takeaways
- โข Automate your deposits
- โข Consistency is key
- โข Increase deposits when possible
- โข Start with what you can afford
- โข Weekly: 52, Bi-weekly: 26, Monthly: 12
- โข More frequent = slightly more growth
2. Did You Know?
Weekly
52 deposits, matches paychecks
Bi-weekly
26 deposits, matches pay
Monthly
12 deposits, easiest to track
More frequent
Slightly more growth
FV formula
FV = initialร(1+r)^n + PMTร((1+r)^n-1)/r
Dollar-cost
Averaging with regular deposits
3. How It Works
Future value = FV of initial balance + FV of annuity. FV_annuity = PMT ร ((1+r)^n - 1) / r. r = periodic rate, n = total periods. More frequent deposits compound slightly more.
Inputs
Deposit amount, frequency (12=monthly, 52=weekly), rate, years, initial balance
Outputs
Future value, total deposited, interest earned, total deposits
4. Expert Tips
Automate
Set up auto-transfer
Consistency
Key to growth
Increase over time
With raises
Start small
Any amount helps
5. Comparison Table
| $500/mo | 5% 10y | $100/wk 10y |
|---|---|---|
| Future Value | ~$78K | ~$66K |
6. FAQ
Weekly compounds slightly more; difference is small.
Bi-weekly (26) or weekly (52) works.
Yes โ adds to future value.
Use frequency = 4.
Monthly is common; more = slightly better.
7. Quick Stats
12
Monthly
52
Weekly
26
Bi-weekly
4
Quarterly
8. Sources
9. Disclaimer
โ ๏ธ Warning: Estimates only. Actual returns may vary. Not financial advice.
For educational purposes only โ not financial advice. Consult a qualified advisor before making decisions.
๐ก Money Facts
FV = deposit ร ((1+r)^n - 1) / r
โ Finance
12 = monthly compounding
โ Common
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