Calculator

Savings

儲蓄 · See how regular saving and investment growth build on each other over time. Change any number and everything updates instantly.

HK$
Money you already have invested today.
HK$
% per year
For example, saving more as your salary rises. Use 0 to keep it flat.

%
Annual return is the average yearly growth you expect before inflation. Real markets rise and fall; this assumes a smooth average.
"Compounding" means growth is added to your balance and then earns growth itself.
Contributions are added at the

% per year
Used to show what the future balance would be worth in today's money.
–

Starting amount Your contributions Growth

Balance over time

Year by year

YearAdded this yearGrowth this yearTotal put inBalanceIn today's money

How this is calculated: the stated annual return is converted to an equivalent monthly rate for your chosen compounding frequency, and the balance is updated month by month. Contributions made at the start of a month earn that month's growth; contributions at the end of a month do not.

"In today's money" divides each future balance by accumulated inflation, so you can compare it with prices you know now. Taxes and fees are not included; enter a return that is already net of fees if you want to account for them.

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