Compound Interest Calculator
See the power of compound interest. Set an initial deposit, monthly contribution, annual return, and time horizon — supports annual, semi-annual, quarterly, monthly, and daily compounding.
Final balance—
Total contributions—
Total interest earned—
Multiplier—
Growth chart
Contributions
Interest
Features
Initial principal + recurring contributions
Annual / semi-annual / quarterly / monthly / daily compounding
Year-by-year breakdown
Visual growth chart
Total contribution vs interest earned
How to Use
1. Enter your initial principal and monthly contribution.
2. Set the expected annual return rate (reference: long-term stock market ~7%).
3. Choose the investment period and compounding frequency.
4. The chart shows how principal and interest accumulate over the years.
5. Click 'Show table' for a year-by-year breakdown.
Frequently Asked Questions
What is compound interest?
Compound interest is interest calculated on both your initial principal and the accumulated interest from previous periods. Over time, this 'interest on interest' effect can dramatically grow your savings.
How realistic is the projected growth?
The math is exact, but the assumed annual return is up to you. Historical stock market average is roughly 7% real return per year, but actual results vary.