Compound interest calculator

Project how savings grow with compounding and regular deposits.

Runs on your deviceFreeNo account

How to use Compound interest

Fill the fields. Compounding can be monthly, quarterly, or yearly. Contributions are applied at the end of each month. The table helps explain why starting early matters more than a slightly higher rate.

Enter principal, rate, compounding frequency, years, and optional monthly contribution. See future value and a year-by-year table.

Also searched as compound interest calculator, investment calculator, savings growth. All processing for this tool happens in your tab unless labeled otherwise.

Questions

APY vs APR?

Enter the nominal annual rate. The calculator compounds it at the frequency you pick.

Inflation?

Results are nominal, not inflation-adjusted.

Taxes?

Not deducted. Real returns will be lower in a taxable account.

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