Compound Interest Calculator
Calculate how your savings grow over time with compound interest.
About Compound Interest Calculator
Punch in a principal amount, an annual interest rate, and a time horizon, and this calculator shows exactly how your savings compound over months or years. Adjust the compounding frequency — monthly, quarterly, annually — and the totals update instantly, making it easy to compare strategies side by side. It's the kind of tool that turns abstract percentages into real numbers you can act on.
If you're mapping out a long-term savings goal or trying to understand why starting early matters so much, this fits naturally into a finance planning session. For anyone also carrying debt, pairing it with the Loan Calculator gives you a fuller picture of where your money is going and what it could become.
Works entirely in the browser with no sign-up required — best experienced on a desktop where you can see the full breakdown table without scrolling.
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How to use
This tool calculates how your money grows over time with compound interest. Enter your investment details to see projections of your savings growth. • Fill in the four input fields using your keyboard: - Initial investment amount (starting money) - Yearly deposit (additional money added each year) - Interest rate percentage (expected annual return) - Investment period in years • Click the green "Calculate" button or press Enter after changing any field to run the calculation • Results appear in a table showing year-by-year breakdown of profits and total savings • The bottom row displays key totals: how much you invested, total profit earned, and final savings amount • All fields accept decimal numbers where applicable (interest rates can use decimals like 5.5%) • Change any input value and recalculate to compare different investment scenarios The calculator shows how compound interest makes your money grow faster over time as you earn returns on both your original investment and previous gains.
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