Junior Savings Calculator
Savings pot at age 18.
Calculate pot value at age 18 from monthly savings and expected return. Enter child's current age and see the result instantly.
What this tool does
Enter monthly savings, current child age, and return. The tool shows pot value at 18.
Enter Values
Value is unusually low — please double-check
Formula Used
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Calculations, display, or translation — let us know.
Disclaimer
Results are estimates for educational purposes only. They do not constitute financial advice. Consult a qualified professional before making financial decisions.
100/month from birth to 18 at 6% compounds to 38,700. Starting at age 10 gives 14,300 — less than half. Starting early is the single biggest lever. 100 from birth is equivalent to about 280/month started at 10.
Run it with sensible defaults
Using monthly savings of 100, child's current age of 0, annual return of 6%, the calculation works out to 38,735.32. Nudge the inputs toward your own situation and the output recalculates instantly. The defaults are meant as a starting point, not a recommendation.
The levers in this calculation
The inputs — Monthly Savings, Child's Current Age, and Annual Return — do not pull with equal force. Not every input has equal weight. Flip one at a time toward extreme values to feel which ones move the needle most for your situation.
How the math works
Future value of monthly annuity. The working is transparent — you can verify every step yourself in the formula section below. No black box, no opaque "proprietary model".
Turning the result into a plan
A projection is just a starting point. The real work is setting the monthly amount aside automatically so the saving happens before you can spend it. Most people who hit savings goals set up a standing order on payday; most who miss them rely on willpower at month-end.
What this doesn't capture
The calculation assumes a steady savings rate and a stable interest rate. Real saving journeys include emergencies, windfalls, and rate changes — especially in easy-access products. The figure is a direction of travel, not a guarantee.
Related calculations worth running
Plans get firmer when you triangulate. Alongside this one, the college fund start age calculator, the compound interest calculator, and the retirement age calculator tend to come up in the same conversations. Running two or three together exposes inconsistencies in any single assumption — which is usually where the useful insight lives.
Junior savings produces a pot value based on the inputs provided.
Inputs
This example uses typical values for illustration. Adjust the inputs above to match a specific situation and see how the result changes.
Sources & Methodology
Methodology
Future value of monthly annuity.
References
Frequently Asked Questions
Equity vs cash for juniors?
Gifts count?
Control at 18?
Alternative structures?
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