Compound Interest Calculator
Calculate compound interest with customizable compounding frequency.
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Enter principal, interest rate, and time period to see compound growth
Calculate how an investment grows over time using compound interest. Enter your starting balance, annual rate, compounding frequency, and optional monthly contributions to see the final value and year-by-year growth chart.
Key Features
Five compounding frequencies
Choose annually, semi-annually, quarterly, monthly, or daily compounding. More frequent compounding increases the effective annual rate (EAR) and overall return.
Monthly contribution support
Add a recurring monthly deposit to model a savings or investment plan. The tool applies the correct future value of annuity formula.
Year-by-year growth chart
A stacked bar chart shows how your balance builds each year, with contributions in one shade and interest/growth in another, up to 50 years.
Three hero metrics
Final value, total contributed, and total interest earned are shown prominently so you can see exactly how much of your wealth came from growth versus savings.
How to Use
- 1Enter your initial investment (principal).
- 2Set the annual interest rate.
- 3Enter the number of years.
- 4Select your compounding frequency.
- 5Optionally add a monthly contribution amount.