Compound Interest Calculator
Estimate how savings or an investment grow with compound interest, with regular monthly deposits and a year-by-year table. Free and private.
More options
Estimate
Shortcuts: Ctrl+Enter run · Ctrl+Shift+C copy result · / search (use ⌘ on Mac)
Next steps
Done here? Use the Send to… menu on the result to carry it on to Loan Calculator or Percentage Calculator.
Free Online Compound Interest Calculator
See how money can grow over time when the interest is added back in. Type a starting amount, a yearly rate and the years, and add a monthly deposit if you like. You get an estimate and a table for every year. See how a lump sum, regular monthly deposits or both grow with compound interest over the years. A year-by-year table shows what you paid in and what the interest added.
How to use the compound interest calculator
Type the starting amount, the yearly interest rate in percent and the number of years. Choose how often interest is added (yearly, half-yearly, quarterly, monthly or daily). Add a monthly deposit under "More options" to see saving over time.
Reading the result
"Total paid in" is your start amount plus every deposit. "Interest earned" is the rest of the final balance. The table shows the same numbers at the end of each year, and you can download it as a CSV file.
Common mistakes
- Entering the rate as a decimal (0.05): type 5 for 5%.
- Ignoring tax, fees and inflation: real returns are usually lower than this estimate.