Calculate compound interest on investments. Enter principal, rate, years, and compounding frequency. See growth over time.
Calculate compound interest on investments. Enter principal, rate, years, and compounding frequency. See growth over time.
A = P(1 + r/n)^(nt) where P = principal, r = annual rate, n = compounds per year, t = yearsRetirement savings — $10K + $500/month at 7%: $10,000 initial deposit plus $500/month contributions at 7% annual return over 30 years.
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This calculator provides estimates only and does not constitute financial advice. Actual results may vary. Consult a qualified financial advisor before making financial decisions.
Confusing simple and compound interest
Compound interest grows exponentially faster because you earn returns on previous returns. Simple interest only applies to the original principal.
Ignoring inflation
Real returns = nominal returns minus inflation rate. A 7% return with 3% inflation means your purchasing power grows at roughly 4% per year.
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Rechner| Year | Total Deposits | Total Interest | Balance |
|---|---|---|---|
| 1 | $12,400.00 | $801.42 | $13,201.42 |
| 2 | $14,800.00 | $1,834.27 | $16,634.27 |
| 3 | $17,200.00 | $3,115.28 | $20,315.28 |
| 4 | $19,600.00 | $4,662.39 | $24,262.39 |
| 5 | $22,000.00 | $6,494.83 | $28,494.83 |
| 6 | $24,400.00 | $8,633.24 | $33,033.24 |
| 7 | $26,800.00 | $11,099.74 | $37,899.74 |
| 8 | $29,200.00 | $13,918.03 | $43,118.03 |
| 9 | $31,600.00 | $17,113.55 | $48,713.55 |
| 10 | $34,000.00 | $20,713.58 | $54,713.58 |
| 11 | $36,400.00 | $24,747.34 | $61,147.34 |
| 12 | $38,800.00 | $29,246.20 | $68,046.20 |
| 13 | $41,200.00 | $34,243.79 | $75,443.79 |
| 14 | $43,600.00 | $39,776.14 | $83,376.14 |
| 15 | $46,000.00 | $45,881.93 | $91,881.93 |
| 16 | $48,400.00 | $52,602.60 | $101,002.60 |
| 17 | $50,800.00 | $59,982.60 | $110,782.60 |
| 18 | $53,200.00 | $68,069.60 | $121,269.60 |
| 19 | $55,600.00 | $76,914.70 | $132,514.70 |
| 20 | $58,000.00 | $86,572.72 | $144,572.72 |