Calculadora de Ahorro Gratis

Proyecta cuánto dinero acumularás con depósitos regulares y una tasa de interés. Planifica tus metas de ahorro a corto y largo plazo.

USD
USD
%
years

Future Value

$38,074.58

Total Contributions$29,000.00
Interest Earned$9,074.58
76%24%
Total Contributions
Interest Earned

Future Value vs Monthly Contribution

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Fórmula

## How Savings Growth Is Calculated This calculator uses the compound interest formula with regular contributions: **FV = P(1+r)^n + PMT × [(1+r)^n - 1] / r** Where P = initial deposit, PMT = monthly contribution, r = monthly rate, n = total months.

Ejemplo Resuelto

$5,000 initial deposit with $200/month at 4.5% APY for 10 years.

  1. 01Monthly rate = 4.5% / 12 = 0.375%
  2. 02Months = 10 × 12 = 120
  3. 03Initial deposit grows to: $5,000 × 1.00375^120 = $7,834
  4. 04Contributions grow to: $200 × (1.00375^120 - 1) / 0.00375 = $30,038
  5. 05Future value = $7,834 + $30,038 = $37,872
  6. 06Total contributed = $5,000 + $24,000 = $29,000
  7. 07Interest earned = $37,872 - $29,000 = $8,872