Increasing a value depending on the date

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Occasional Visitor

I am looking for a formula which will allow me to incrementally increase a value based on the current date for budgetting purposes so: 

 

If value x is being deposited on the 1st of every month what is the current cumulative value based on the date

 

Parameters to ideally be controlled:

value of "x",

start date of the deposits (so I can track payments from say sep - sep rather than assuming accruement begins from jan - dec) 

 

Want to be able to quickly check things like the amount saved for bill z due in Sep in the March before based that (bill z / 12) is being deposited to the account per month

 

Any help would be absolutely fantastic, 

Thank you all in advance

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