Compound Interest Calculator
Future value, interest earned, and yearly growth — with monthly contributions.
Leave at 0 to project the starting amount alone. Results update live.
0
Future value
0
You put in
0
Interest earned
| Year | Contributed | Interest earned | Balance |
|---|
Nominal pre-tax projection at a constant rate — not adjusted for inflation, taxes, or fees.
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Fill in the input above and run the tool to get started.
Honest limits
Projections assume a constant rate and ignore inflation, taxes, and fees — real outcomes will differ, sometimes substantially. Past performance never guarantees future returns. This is an educational estimate, not financial advice — consult a financial advisor for personal decisions.
How to use the Compound Interest Calculator
- Enter your starting amount and expected annual rate.
- Set the years and compounding frequency.
- Add an optional monthly contribution.
- Press Calculate growth — future value, totals, and the yearly table appear.
Examples
Example
10,000 at 7% for 20 years + 200/month → future value ≈142,700, of which ≈84,700 is interest — contributions did more than compounding alone.
What this tool doesn't do
- Assumes a constant rate — real markets swing; treat outputs as scenarios, not promises.
- Ignores inflation, taxes, and fees — reduce the rate for a rough real-terms view.
- Projections are educational estimates, not financial advice — consult a financial advisor for personal decisions.
Frequently asked questions
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