Compound Interest Calculator
Wealth Breakdown Composition
Principal vs Additions vs Earned GrowthGrowth Over Time Progression
Wealth Milestone Timeline
Annual & Monthly Growth Schedule
Detailed breakdown of principal, regular deposits, periodic compounding interest, and inflation-adjusted buying power.
| Deposits This Period | Interest Earned | Total Invested | Total Interest | Ending Balance | Purchasing Power | |
|---|---|---|---|---|---|---|
To accumulate in at an estimated annual return.
What if you invest a lump sum today instead?
If you invest a single one-time lump sum today with $0 periodic contributions, you would only need:
Compounding Frequency Impact Comparison
See how compounding frequency changes your total return on over at APR.
| Compounding Interval | Times / Year | Effective APY | Ending Balance | Total Interest Earned | Extra vs Annual |
|---|---|---|---|---|---|
| e^rt |
Doubling & Tripling Time
At your current interest rate of , here is how long your initial capital takes to double and triple purely from compound growth (without additional deposits):
The Rule of 72 is a quick mental math shortcut: divide 72 by the annual interest rate to approximate how many years it takes for your investment to double. For instance, at 8% interest, 72 / 8 = 9 years to double.
Interest Rate Sensitivity Analysis
Small changes in return (+/- 1% to 2%) have a massive compound effect over :
| Rate Scenario | Rate (%) | Ending Balance | Difference |
|---|---|---|---|
| Current |
Compound Interest Calculator
Calculate how your savings, retirement funds, stock investments, and wealth grow exponentially over time through the power of compound interest. Explore continuous and periodic compounding frequencies, regular deposit contributions with annual step-up raises, inflation-adjusted purchasing power, and post-tax net returns with interactive visual charts and full amortisation schedule tables.
The Power of Time: As Albert Einstein famously said, "Compound interest is the eighth wonder of the world. He who understands it, earns it; he who doesn't, pays it." Starting just 5 years earlier can double your eventual retirement nest egg due to geometric interest accumulation on past returns.
