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Compound Interest Calculator
Estimate how your investment grows over time with compounding and contributions. This is for education only (not financial advice).
1) Investment inputs
Updates as you type
%
years
Tip: Fill initial + return + years. Add contributions to see how consistent investing changes outcomes.
2) Optional: Inflation adjustment
Show “real” value
%
Real value is an estimate: nominal ÷ (1 + inflation) ^ years.
Breakdown
Totals
| Metric | Value | Notes |
|---|---|---|
| Final value | — | Ending account balance |
| Total contributed | — | Initial + contributions |
| Total gain | — | Final − contributed |
| Return rate used | — | Annual percentage input |
| Compounding | — | How often growth applies |
| Inflation | — | If enabled |
This is a simplified model. Markets fluctuate; returns are not guaranteed.
Year-by-year table
End of each year
| Year | Contributed (total) | Balance (end of year) | Gain (vs contributed) |
|---|---|---|---|
| Enter inputs to generate the table. | |||
Quick intuition table
No contributions
| Starting | Rate | Years | Final (approx) |
|---|---|---|---|
| $10,000 | 7% | 10 | ~$19,672 |
| $10,000 | 7% | 20 | ~$38,697 |
| $10,000 | 10% | 20 | ~$67,275 |
| $100,000 | 8% | 30 | ~$1,006,266 |
These are rough examples for intuition only.
FAQ
Short answers
What is compound interest? It’s growth on your original money plus growth on past growth.
Is this guaranteed? No. Expected return is an assumption; markets fluctuate.
Does contribution timing matter? Yes. This tool assumes contributions happen at the end of each period.
Real vs nominal? “Real” adjusts for inflation to estimate purchasing power.
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