Advanced Compound Interest Calculator - Independent Deposit & Withdrawal Periods with Custom Start Timing Offsets
Advanced Compound Interest Calculator
Contribution & Withdrawal
Investment Performance Summary
Portfolio Composition Analysis
Detailed Cash Flow Analysis
Investment Growth Visualization
Monthly Cash Flow Analysis
How Does This Calculator Work?
This advanced compound interest calculator offers unprecedented flexibility in managing your investment cash flows. Unlike basic calculators, you can set completely independent periods for deposits and withdrawals, each with their own custom start timing offsets.
Key Flexibility Features:
- Independent Deposit Periods: Set deposits to occur weekly, monthly, quarterly, or annually
- Independent Withdrawal Periods: Set withdrawals on a completely different schedule from deposits
- Custom Start Timing Offsets: Delay the start of deposits or withdrawals by any number of periods
- Mixed Frequency Scenarios: For example, monthly deposits starting immediately with quarterly withdrawals starting after 2 years
- Beginning vs End Period Timing: Choose whether cash flows occur at the beginning or end of each period
Independent Deposit Scheduling
Configure deposits with their own frequency (weekly, monthly, quarterly, annually) and set a custom start offset. For example: monthly deposits starting after 6 months.
Independent Withdrawal Scheduling
Set withdrawals on a completely different schedule from deposits. Example: weekly deposits with annual withdrawals starting after 10 years.
Custom Start Timing Offsets
Delay the start of any cash flow by specifying offset periods. Perfect for modeling scenarios like "start withdrawals 5 years after initial investment" or "begin additional contributions after 2 years".
If the Annual Interest Rate Is 6% Compounded Monthly, and You Deposit $1,000 Every Month for 10 Years, Then Withdraw $3,800 Per Month for 4 Years, How Much Money Will Remain?
Based on your deposit and withdrawal plan, the final amount left is $2,635.17. Here are the details:
| Year | Starting Balance | Annual Contributions | Annual Withdrawals | Net Cash Flow | Interest Earned | Ending Balance |
|---|---|---|---|---|---|---|
| 1 | $0.00 | $12000.00 | $0.00 | $12000.00 | $335.56 | $12335.56 |
| 2 | $12335.56 | $12000.00 | $0.00 | $12000.00 | $1096.39 | $25431.96 |
| 3 | $25431.96 | $12000.00 | $0.00 | $12000.00 | $1904.15 | $39336.10 |
| 4 | $39336.10 | $12000.00 | $0.00 | $12000.00 | $2761.73 | $54097.83 |
| 5 | $54097.83 | $12000.00 | $0.00 | $12000.00 | $3672.20 | $69770.03 |
| 6 | $69770.03 | $12000.00 | $0.00 | $12000.00 | $4638.83 | $86408.86 |
| 7 | $86408.86 | $12000.00 | $0.00 | $12000.00 | $5665.07 | $104073.93 |
| 8 | $104073.93 | $12000.00 | $0.00 | $12000.00 | $6754.61 | $122828.54 |
| 9 | $122828.54 | $12000.00 | $0.00 | $12000.00 | $7911.36 | $142739.90 |
| 10 | $142739.90 | $12000.00 | $0.00 | $12000.00 | $9139.45 | $163879.35 |
| 11 | $163879.35 | $0.00 | $45600.00 | $-45600.00 | $8832.58 | $127111.93 |
| 12 | $127111.93 | $0.00 | $45600.00 | $-45600.00 | $6564.85 | $88076.78 |
| 13 | $88076.78 | $0.00 | $45600.00 | $-45600.00 | $4157.25 | $46634.02 |
| 14 | $46634.02 | $0.00 | $45600.00 | $-45600.00 | $1601.15 | $2635.17 |
If the Annual Interest Rate Is 5% Compounded Monthly, and You Deposit $900 Every Month for 5 Years, Starting From the 4rd Year You Begin Withdrawing $2,400 Per Month for 2 Years, How Much Money Will Remain After Those 2 Years?
Based on your deposit and withdrawal plan, the final amount left is $759.27. Here are the details:
| Year | Starting Balance | Annual Contributions | Annual Withdrawals | Net Cash Flow | Interest Earned | Ending Balance |
|---|---|---|---|---|---|---|
| 1 | $0.00 | $10800.00 | $0.00 | $10800.00 | $250.97 | $11050.97 |
| 2 | $11050.97 | $10800.00 | $0.00 | $10800.00 | $816.36 | $22667.33 |
| 3 | $22667.33 | $10800.00 | $0.00 | $10800.00 | $1410.67 | $34878.00 |
| 4 | $34878.00 | $10800.00 | $28800.00 | $-18000.00 | $1366.14 | $18244.14 |
| 5 | $18244.14 | $10800.00 | $28800.00 | $-18000.00 | $515.12 | $759.27 |
If the Annual Interest Rate Is 6% Compounded Yearly, With an Initial Investment of $10,000, and Starting 5 Years Later, You Add $5,000 at the Beginning of Each Year for 3 Years, How Much Money Will You Have?
According to your investment schedule, the account balance will be $32,811.56. Using the calculator on this page, fill in the fields as follows:
- Initial Investment Amount ($): 10,000
- Annual Interest Rate (%): 6
- Compounding Frequency: Yearly (1/yr)
- Contribution Period: 3 Year 0 Month
- Withdrawal Period: 5 Year 0 Month
- Period Offset: -5 Year 0 Month
- Regular Contribution Amount: 5,000
- Contribution Frequency: Yearly
- Contribution Timing Within Period: Beginning
- All other fields are set to zero.
This will give you the detailed calculation.
| Year | Starting Balance | Annual Contributions | Annual Withdrawals | Net Cash Flow | Interest Earned | Ending Balance |
|---|---|---|---|---|---|---|
| 1 | $10000.00 | $0.00 | $0.00 | $0.00 | $600.00 | $10600.00 |
| 2 | $10600.00 | $0.00 | $0.00 | $0.00 | $636.00 | $11236.00 |
| 3 | $11236.00 | $0.00 | $0.00 | $0.00 | $674.16 | $11910.16 |
| 4 | $11910.16 | $0.00 | $0.00 | $0.00 | $714.61 | $12624.77 |
| 5 | $12624.77 | $0.00 | $0.00 | $0.00 | $757.49 | $13382.26 |
| 6 | $13382.26 | $5000.00 | $0.00 | $5000.00 | $1102.94 | $19485.19 |
| 7 | $19485.19 | $5000.00 | $0.00 | $5000.00 | $1469.11 | $25954.30 |
| 8 | $25954.30 | $5000.00 | $0.00 | $5000.00 | $1857.26 | $32811.56 |
How to Set Independent Schedules and Start Delays for Deposits and Withdrawals?
Retirement Planning with Delayed Withdrawals
Setup: Monthly deposits for 30 years, then annual withdrawals starting after 30 years, with withdrawals continuing for 15 years
Configuration:
- Contribution Period: 30 Year 0 Month, Contribution Frequency: Monthly
- Withdrawal Period: 15 Year 0 Month, Withdrawal Frequency: Yearly
- Period Offset: 30 Year 0 Month
Education Savings with Quarterly Distributions
Setup: Weekly deposits for 18 years, quarterly withdrawals starting in year 10, with withdrawals continuing for 5 years
Configuration:
- Contribution Period: 18 Year 0 Month, Contribution Frequency: Weekly
- Withdrawal Period: 5 Year 0 Month, Withdrawal Frequency: Quarterly
- Period Offset: 10 Year 0 Month
Business Investment with Irregular Cash Flows
Setup: Large annual deposits for 10 years, monthly withdrawals starting in year 5, with withdrawals continuing for 3 years
Configuration:
- Contribution Period: 10 Year 0 Month, Contribution Frequency: Yearly
- Withdrawal Period: 3 Year 0 Month, Withdrawal Frequency: Monthly
- Period Offset: 5 Year 0 Month
Trust Fund with Staggered Distributions
Setup: One-time initial deposit, no additional deposits, annual withdrawals starting after 21 years, , with withdrawals continuing for 4 years
Configuration:
- Contribution Period: 21 Year 0 Month, Contribution Amount: 0
- Withdrawal Period: 4 Year 0 Month, Withdrawal Frequency: Yearly
- Period Offset: 21 Year 0 Month
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