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Calculate Future Value with Recurring Deposits
Let's break this into two parts, the future value of the initial deposit, and the future value of the payments: D(1 + i)n For the future value of the payments A((1+i)n-1) / i) Adding those two formulas together will give you the amount of money that should be in your account at the end.  Remember to make the appropriate adjustments to interest rate and the number of payments.  Divide the interest rate by the number of periods in a year (four for quarterly, twelve for monthly), and multiply the number of periods (p) by the same number.  Of course the monthly deposit amount will need to be in the same terms. See also: Annuity (finance theory) - Wikipedia