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This simple calculator does not deal with inflation, taxes or any of that complicated stuff. This is just a simple model that lets you start with an amount of money and make regular monthly deposits, and see how much it grows. For more complicated scenarios, see my tax deferred anuity calculator or my prepayment versus investment comparison.

You can have either of the two inputs zero (but if both are zero, it won't be all that informative, now would it?)