Compound Interest Calculator
Calculate compound interest and see how your money grows over time with different compounding frequencies. Add regular contributions to estimate the effect of saving consistently.
The amount you invest at the beginning.
Contribution made at the end of each compounding period.
Growth estimate
The calculator assumes a constant annual rate and regular end-of-period contributions. Actual investment returns can vary.
Compound Growth Over Time
Compound Interest Formula
For a lump-sum investment, compound growth depends on the initial investment, rate and number of compounding periods.
genui{"learning_viz":{"type_id":"COMPOUND_INTEREST","content":"FV=PV(1+r)^n"}}For regular contributions, each contribution is added at the end of the selected compounding period and the accumulated balance continues to compound.
How to Use the Compound Interest Calculator
Enter Your Initial Investment
Enter the amount invested initially.
Enter the Interest Rate
Enter the annual rate you want to evaluate.
Choose Period and Frequency
Select the investment period and how often interest compounds.
Add Regular Contributions
Optionally add a contribution at the end of each compounding period.
Example Compound Interest Calculation
100,000 at 8% for 10 years
- Initial Investment = 100,000
- Annual Interest Rate = 8%
- Investment Period = 10 years
- Compounding = Monthly
- Regular Contribution = 5,000 per month
The result separates your contributions from compound growth.
Use the live calculator above for the exact result.
Understanding Compound Growth
Initial Investment
The starting amount on which growth begins.
Compound Interest
Growth earned on the original investment plus previously accumulated growth.
Compounding Frequency
How often interest is added to the balance.
Time
Longer periods give compound growth more time to build.