How it works
For each entered nominal annual return, apply rate/12 monthly before adding the end-of-month contribution. Export annual balances for all scenarios.
Input definitions
- Starting balance
- Enter the value in the labeled unit.
- Monthly contribution at month end
- Enter the value in the labeled unit.
- Whole years (1–50)
- Enter the value in the labeled unit.
- Low annual return (%)
- Enter the value in the labeled unit.
- Middle annual return (%)
- Enter the value in the labeled unit.
- High annual return (%)
- Enter the value in the labeled unit.
A worked example
- Starting balance
- 1000
- Monthly contribution at month end
- 100
- Whole years (1–50)
- 1
- Low annual return (%)
- 0
- Middle annual return (%)
- 6
- High annual return (%)
- 10
Assumptions & limits
Entered single-currency amounts and fixed rates; monthly interest and two-decimal half-up rounding. No tax, lending approval, changing rates or live market data.
Sources & review
Maintained by AnsRio. Methods and examples use automated checks; this does not imply independent professional certification.
Method updated 2026-10-17. Content checked against the stated method and examples. Our verification approach.
Common questions
Are low, middle and high return scenarios predictions?
No. They are fixed assumptions you enter. Comparing scenarios helps expose sensitivity to returns, but no scenario is assigned a likelihood or guaranteed.
How does Compare three investment return scenarios work?
For each entered nominal annual return, apply rate/12 monthly before adding the end-of-month contribution. Export annual balances for all scenarios.
What are the limits of Compare three investment return scenarios?
Entered single-currency amounts and fixed rates; monthly interest and two-decimal half-up rounding. No tax, lending approval, changing rates or live market data.
How do I keep the full worksheet?
Run the tool and choose Download file. The on-page table is a preview and may show only the first 20 rows; the downloaded file contains the full result. CSV downloads escape spreadsheet formula prefixes. Inputs and files are processed on your device.