Compound Interest Calculator
Calculate investment growth with optional monthly contributions and year-by-year breakdown
Cómo usar Calculadora de Interés Compuesto
- 1
Enter your starting amount
Type the initial lump-sum deposit or current balance you are starting with.
- 2
Set the rate and time period
Enter the expected annual interest rate (or investment return) and the number of years you plan to save.
- 3
Choose compounding frequency
Select daily, monthly, quarterly, or annual to match how your bank or brokerage compounds interest.
- 4
Add monthly contributions (optional)
Enter a regular monthly deposit to see how consistent saving accelerates your growth over time.
¿Qué es Compound Interest Calculator?
See how your money grows over time with compound interest. Enter a starting amount, annual rate, investment period, and optional monthly contributions, then choose daily, monthly, quarterly, or annual compounding. A year-by-year table and visual chart show the split between your contributions and earned interest. Everything runs in your browser — no sign-up, no data uploaded.
¿Por qué usar Compound Interest Calculator?
- Supports regular monthly contributions — models realistic saving behaviour, not just lump-sum deposits.
- Four compounding frequencies (daily, monthly, quarterly, annual) so you can match your actual account.
- Year-by-year breakdown table shows the exact balance, total contributions, and total interest earned each year.
- Visual growth chart makes it easy to see how compounding accelerates over time.
- Completely private — your financial projections never leave your device.
Preguntas frecuentes
What compounding frequency should I choose?
Does this account for taxes or inflation?
What is the Rule of 72?
Is my data safe?
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Casos de uso de Compound Interest Calculator
Retirement savings planning
Enter your current 401(k) balance, expected annual return, years until retirement, and monthly contribution to see whether you are on track to meet your retirement goal.
Comparing savings accounts
Enter the same deposit amount at different interest rates to see how much more a high-yield savings account earns over 5 or 10 years compared to a traditional account.
College fund projections
Determine how much you need to save each month starting today to accumulate a target amount by the time your child starts college.
Understanding the cost of waiting
Compare starting to invest at age 25 versus age 35 with the same monthly amount to see how much the 10-year head start is worth at retirement — the results are eye-opening.
Consejos y buenas prácticas
- 💡The difference between daily and monthly compounding is usually negligible (under 0.1% per year). Focus more on increasing your contribution amount and choosing a higher-return investment.
- 💡To estimate real (inflation-adjusted) growth, subtract your expected inflation rate from the interest rate. If you expect 7% returns and 3% inflation, enter 4% for a more realistic projection.
- 💡Starting early matters more than the rate — an extra decade of compounding often outweighs a higher return over a shorter period. Run both scenarios to see for yourself.