Compound Interest Calculator

See how your starting balance and recurring deposits compound over time. Adjust the compounding frequency to match your account.

How to use this tool
  • Starting balanceEnter your current investment balance or initial deposit.
  • Monthly contributionAdd the amount you plan to contribute each month. Leave zero if you are not adding more money.
  • Annual return (%)Enter your expected average yearly rate of return before fees.
  • Years investedSet how long you will keep the money invested.
  • Compounding frequencyChoose how often interest is compounded—annually, quarterly, monthly, or daily.
  • Annual contribution increase (%)If you plan to raise contributions each year, enter the yearly percentage bump. Leave at 0% to keep payments flat.

Click Calculate growth to forecast your ending balance, total contributions, and interest earned. Reset clears your inputs.

Assumes deposits occur at the end of each month. Contributions can optionally step up each year.

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