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Compound Interest Calculator
See what your money grows into: starting amount, interest rate, time, compounding frequency and optional monthly contributions - with the total interest earned. No sign-up, free.
Details
Compounding
Results
Final balance16,470.09
- Total contributed
- 10,000
- Interest earned
- 6,470.09
Runs 100% in your browser Instant results as you type Free, no sign-up
How to calculate compound interest
Enter the starting point
Initial amount, the yearly interest rate, and how long the money stays invested.
Set the compounding and contributions
Yearly, quarterly or monthly compounding, plus an optional monthly deposit - the detail that makes long-term results dramatic.
Read the outcome
The final balance, how much of it you contributed, and how much is pure interest.
Compound interest questions, answered
Is my data sent to a server?
No. The projection is computed on your device - your savings amounts and financial plans are never transmitted or stored anywhere.
What difference does compounding frequency make?
Interest earning interest more often grows faster: 5% compounded monthly yields about 5.12% effectively per year. The gap widens with time and rate.
Why do monthly contributions matter so much?
Each deposit starts compounding immediately, so early contributions work the longest. Even modest monthly amounts typically dwarf the initial sum after a couple of decades.
Is this the same math banks use?
Yes - periodic compounding with contributions added each period. Real accounts may differ in fees, taxes and exact crediting dates.