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Savings Calculator


Consistent investments over a number of years can be an effective strategy to accumulate wealth. Even small additions to your savings add up over time. This calculator demonstrates how to put this savings strategy to work for you!


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Definitions

Starting amount
The starting balance or current amount you have invested or saved.

Additional contributions
The amount that you plan on adding to your savings or investment each period. The investment period options include monthly, quarterly and annually. This calculator assumes that you make your contributions at the beginning of each period.

Years
The total number of years you are planning to save or invest.

Rate of return
The annual rate of return for this investment or savings account. The actual rate of return is largely dependant on the type of investments you select. From January 1970 to December 2005, the average compounded rate of return for the S&P 500, including reinvestment of dividends, was approximately 11.4% per year. During this period, the highest 12-month return was 61%, and the lowest was -39%. Savings accounts at a bank pay as little as 1% or less. It is important to remember that future rates of return can't be predicted with certainty and that investments that pay higher rates of return are subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, especially for long-term investments. This includes the potential loss of principal on your investment.

Compounding
Earnings on an investment's earnings, plus previous interest. This calculator allows you to choose the frequency that your investment's interest or income is added to your account. The more frequently this occurs, the sooner your accumulated earnings will generate additional earnings. For stock and mutual fund investments, you should choose 'Annual'. For savings accounts and CDs, all of the options are valid, although you will need to check with your financial institution to find out how often interest is being compounded on your particular investment.


MAIN BRANCH
2300 Great Northern Way
Missoula, MT 59808
Phone (406) 728-4475
Fax (406) 728-0257
Loan Dept Fax
(406) 541-6128
SOUTH BRANCH
3624 Brooks St
Missoula, MT 59801
Phone (406) 541-9710
Fax (406) 541-9712
EXPRESSWAY BRANCH
4500 Expressway Blvd
Missoula, MT 59808
Phone (406) 532-4441
Fax (406) 532-4458
CONTACT US
MEMBER NCUA. National Credit Union Admisnistration, a U.S. Government Agency. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
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