How often is interest compounded?

You can choose monthly or annual compounding. Interest is added to your balance at the end of each period, and recurring contributions are applied at period end unless noted otherwise. More frequent compounding slightly increases growth over the same nominal annual rate, especially over long horizons.

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Does this include inflation?

No — results show nominal future value in today's dollars. For real purchasing-power planning, compare your assumed return against an expected inflation rate separately or use our inflation calculator to adjust amounts across years and see what future balances might buy.