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Compound Interest Calculator

See how your savings grow with compounding and regular contributions.

Details

Results

Future value -
Total contributions -
Total interest -
Return multiple -

Estimates only. Not financial advice.

How it works

We compound your starting balance and recurring contributions at your chosen rate and frequency. Future value combines the grown principal with the future value of your ongoing contributions.

Start early: time is the biggest driver of compound growth - earlier contributions grow the most.

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Good to know

FAQs

What is compound interest?

Earning returns on both your principal and previously earned returns, so growth accelerates over time.

Does compounding frequency matter?

More frequent compounding helps a little, but amount invested and time matter far more.

What return is realistic?

Long-run stock returns average roughly 7% after inflation, but vary year to year. Use a conservative figure.

Lump sum or monthly?

Both work; regular contributions smooth out market timing risk.

Are returns guaranteed?

No - investments fluctuate and can lose value. These are projections.