Compound Interest Calculator

See exactly what your money becomes — principal, compounding and monthly additions, year by year.

Quick answer: Free compound interest calculator: project savings growth with yearly/quarterly/monthly compounding and regular contributions. Year-by-year table.

Starting amount

Monthly contribution (optional)

Annual interest (%)

Years

Compounding

–Future value

–Total invested

–Interest earned

How to use

Open this page on any device — no signup needed.
Fill in the fields above.
Get your result instantly — nothing is uploaded.

About this tool

Compound interest pays interest on interest. The formula is A = P(1 + r/n)^(nt) plus the future value of regular monthly contributions. Compounding frequency matters: monthly compounding beats yearly at the same nominal rate. This calculator shows a full year-by-year growth table so you can see the curve accelerate.

FAQ

Which compounding frequency should I choose?

Match your real product: savings accounts usually compound monthly; many bonds/certificates annually.

Do contributions count as start or end of month?

This calculator adds them at month-end (ordinary annuity) — the standard convention.

Is inflation included?

No — results are nominal. Subtract expected inflation (~2–3%) to think in real terms.

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