How Compound Interest Calculator works
Compound growth is calculated from the starting balance, rate, contribution and compounding assumptions entered into the calculator. Real returns can vary and may include taxes or fees not modeled here.
Calculate compound interest growth, recurring monthly deposits, future portfolio values, and year-by-year accumulation schedules.
Project investment growth with compound interest and recurring monthly contributions
A fast client-side Compound Interest Calculator. Forecast long-term investment growth, calculate compounding interest with monthly contributions, and view year-by-year accumulation tables.
Set your starting principal deposit.
Enter optional regular monthly contribution amounts.
Adjust the expected annual interest rate (%) and investment tenure in years.
Select your compounding frequency (Monthly, Quarterly, Annually, or Daily).
Inspect future balance projections and toggle the year-by-year growth table.
Compound interest growth projections with recurring monthly deposits
Custom compounding intervals (Daily, Monthly, Quarterly, Semi-Annually, Annually)
Year-by-year investment accumulation breakdown table
Visual principal vs interest ratio bar
Multi-currency support ($ USD, € EUR, £ GBP, ₹ INR, C$ CAD, A$ AUD, ¥ JPY)
Browser-based processing — zero financial data uploaded
Compound growth is calculated from the starting balance, rate, contribution and compounding assumptions entered into the calculator. Real returns can vary and may include taxes or fees not modeled here.
Financial calculations are estimates and do not account for every lender, bank, market, tax or contractual condition. Verify important financial decisions against the actual terms that apply to you.
This tool is designed to perform its main calculation or transformation in your browser. Do not enter information that the tool does not need, and review the site's Privacy Policy for analytics, advertising and third-party services.
Answers about how the tool works, its limitations, and how your information is handled.
Compound interest is interest calculated on the initial principal as well as the accumulated interest from previous periods, allowing investments to grow exponentially over time.
The total balance is calculated using: A = P(1 + r/n)^(nt) + PMT * [((1 + r/n)^(nt) - 1) / (r/n)], where P is Principal, PMT is Monthly Deposit, r is annual interest rate, n is compounding frequency, and t is time in years.
The more frequently interest compounds (e.g., monthly vs annually), the faster your money generates interest on interest, leading to a higher total yield.
No. The result is a mathematical estimate for planning or educational purposes. Actual financial or tax outcomes depend on the terms, rules and circumstances that apply to you.
This tool is designed to perform its main calculation or transformation in your browser. Do not enter information that the tool does not need, and review the site's Privacy Policy for analytics, advertising and third-party services.
Continue with related UtilsDesk tools for the same type of task. Each tool has its own instructions, examples, methodology notes, and limitations.