Compound Interest Calculator
Growth of a deposit plus regular contributions, with any compounding frequency and an inflation-adjusted result.
Runs in your browser. Nothing is uploaded.
Shows what the final amount is worth in today's money.
- Invested$34,00062%
- Growth$20,71438%
Stay in for 15 years instead of 10 and the value becomes $91,882, that is $37,168 more for only $12,000 extra invested.
One percent more, 8.0% instead of 7%, adds $4,072 over 10 years. Fees and fund choice matter about that much.
| Year | Invested so far | Growth this year | Value |
|---|---|---|---|
| 1 | $12,400 | +$801 | $13,201 |
| 2 | $14,800 | +$1,033 | $16,634 |
| 3 | $17,200 | +$1,281 | $20,315 |
| 4 | $19,600 | +$1,547 | $24,262 |
| 5 | $22,000 | +$1,832 | $28,495 |
Returns are not guaranteed. Figures are estimates before tax and fees, rounded for display.
How compound interest works
Interest is added to your balance, and the next round of interest is worked out on that bigger balance. Year one earns interest on your deposit; year ten earns interest on nine years of interest too. That is why the growth line above curves upward instead of going straight. The formula for a single deposit is A = P(1 + r/n)^(nt), where n is how many times a year interest is compounded.
Regular contributions
Adding a fixed amount every month is what turns modest savings into a large sum. This calculator adds each contribution to the balance (at the start or end of the month, your choice) and compounds it from the next credit onward, exactly as a savings account or index fund would. The year-by-year table separates what you put in from what growth added.
Compounding frequency
Daily, monthly, quarterly or yearly compounding on the same nominal rate gives slightly different results; monthly is common for savings accounts, quarterly for bank deposits in India, yearly for many bonds. The difference is small at low rates and short terms but grows with both.
Inflation
A large number in 20 years buys less than it does today. Enter an inflation rate to see the result in today's money. Historical inflation has averaged around 2–3% in the US and Europe and 5–6% in India.
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