Compound Interest Calculator
See how investments grow over time. Visualize compound growth with a chart and yearly table.
Free Compound Interest Calculator
Compound interest is interest calculated on both the initial principal and the accumulated interest from previous periods — meaning your money earns returns on its returns. The formula for compound interest with regular contributions is: FV = P(1 + r/n)^(nt) + PMT * [((1 + r/n)^(nt) - 1) / (r/n)], where P is initial investment, PMT is periodic contribution, r is annual interest rate, n is compounding frequency per year, and t is years.
The growth chart makes the power of compounding visual: the gap between your total contributions and your final balance widens dramatically over time. A modest monthly contribution invested consistently for 30 years typically produces far more in interest than in contributions — this is why starting early matters more than the amount you invest.