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See how an initial deposit and regular contributions could grow over time, with adjustable return assumptions and compound frequency.
Your assumptions
Projection
Growth over time
How your money can grow faster than you put it in
Compound interest means you earn returns not only on what you deposit, but on the interest that has already accumulated. Year after year, the same percentage applies to a larger balance, so growth can accelerate even when your return rate stays constant. That is why time, regular contributions and compounding frequency matter as much as the headline return figure.
Simple interest pays only on your original principal. Compound interest pays on principal plus prior gains, which is why long-term savers and investors watch the split between money paid in and money earned by returns. A modest initial deposit paired with steady monthly contributions often outpaces a larger one-off sum left untouched, because new money and reinvested returns work together over decades.
Use the calculator above to model your own scenario: adjust the deposit, contribution rhythm, return assumption and compound frequency, then read the chart to see when interest overtakes what you paid in. Below, we connect that picture to real decisions for expats in Germany, from building a property deposit to choosing the right next financial tool.
From savings projection to property and mortgage decisions
Compound interest projections are not a substitute for lender affordability checks, but they help you set direction. If your goal is to buy property in Germany, understanding how your savings could grow makes it easier to plan equity targets, contribution discipline and timelines before you speak to a bank.
Finance for Expats supports expat borrowers with mortgage advisory, affordability tools and content hubs on financing, property investment and long-term planning in Germany.
Explore the Financing & Loans hubFinancing hubCommon questions about compound interest
Short answers to the questions savers and investors ask before relying on a projection. For mortgage-specific topics, see our Financing & Loans hub or full FAQ library.
Compound interest is interest calculated on your initial balance plus any interest already earned. Over time, returns can accelerate because you earn growth on growth, not just on your original deposit.
Use a realistic long-term assumption based on your product or strategy, for example conservative savings rates, balanced fund averages or property yield after costs. Test a range of rates rather than relying on one optimistic figure.
Yes. Enter an initial deposit and an additional contribution amount, then choose whether that contribution is made monthly or annually. The projection includes both your paid-in capital and compounded growth.
The maths is the same everywhere. What changes for expats is product choice, tax treatment, currency exposure and how savings goals fit alongside property, pensions and residency plans in Germany.