The eighth wonder, tabulated. Watch the interest column overtake the contributions column.
Contributions are added at the end of each compounding period, and interest is applied each period at the annual rate divided by the number of periods. That matches how most savings accounts and index-fund estimates are quoted. Real investments wobble; this shows the smooth average path.
No — it’s multiplication. The rate you type is the assumption doing all the work; try a pessimistic one too.
Yes — 12,5 and 12.5 both work, and thousands separators are fine
(1,234.56 or 1.234,56). A lone comma followed by exactly three digits,
like 1,234, is read as one thousand two hundred thirty-four.
Entirely in your browser. Numbers you type are never sent anywhere — there is no server doing the math, no analytics watching you do it.