STOK Terminal Academy
Compound interest calculator for long-term thinking.
Choose an illustrative annual return or adjust your own assumption. Explore every year; none of the figures is a forecast or recommendation.
STOK Terminal Academy
Visualize how your contributions and growth evolve, year by year.
Adjust the starting amount, monthly contribution, horizon and an illustrative annual rate. Inspect what happens in every year.
Complete the fields and select Calculate to see the simulation.
What happens each year
Each bar shows how much you would have at the end of that year. The striped section is all contributed money and the purple section is accumulated simulated growth.
- Total contributed
- Accumulated growth
- Contributions during year
- Growth that year
The full height of each bar is the portfolio total for that year. Contributed savings usually dominate early on; accumulated growth may represent a larger share over time. Contributions continue to matter throughout.
| Year | Total contributed | Accumulated growth | Total value | Contributions during year | Growth that year |
|---|
Educational simulation, not a forecast or financial advice. It excludes inflation, taxes and fees; investments can fall in value.