Calculators · free
Compound Interest Calculator
Project the future value of savings or investments with compound interest, optional monthly contributions and any compounding frequency, with a clear year-by-year growth table.
A projection, not a promise: returns vary and inflation is not included.
Future value
–
Contributed
–
Interest earned
–
Growth multiple
–
Growth by year
About the Compound Interest Calculator
Project the future value of savings or investments with compound interest, optional monthly contributions and any compounding frequency, with a clear year-by-year growth table.
The projection runs entirely in your browser. Your financial inputs are never transmitted.
How to use the Compound Interest Calculator
- Step 1Enter what you have now, what you add each month and the annual return you expect.
- Step 2Set the number of years and how often interest compounds.
- Step 3Press Calculate to see the future value and how much of it is interest.
What you get
- Monthly contributions supported
- Any compounding frequency
- Year-by-year growth table
- See the interest-versus-contributions split
Compound Interest Calculator — FAQ
What does compounding mean?
Interest is added to the balance and then earns interest itself. More frequent compounding produces slightly more, though contributions usually matter more than frequency.
Is a 7% return realistic?
Historically, broad stock indices have averaged around that after inflation over long periods — but any single decade can be far above or below. Treat projections as a planning range, not a forecast.
Should I include inflation?
For long horizons it helps. To approximate real growth, subtract expected inflation from your return — for example 7% nominal minus 3% inflation gives roughly 4% real.
Read next
More calculators tools
All 13 other tools in this collection — free, no sign-up, nothing uploaded.