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Compound Interest Calculator

Project how a lump sum and optional regular contributions grow with compound interest over time.

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%
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Future value
$0.00
Total contributions
$0.00
Total interest earned
$0.00

The rate you enter is assumed to stay constant. This illustrates the mechanics of compounding only; it is not a forecast of any specific investment.

Results are estimates based only on the figures you enter, for information and education only. They are not investment advice or a forecast. Crypto and stock markets carry real risk, including the loss of capital.

The mechanics of compounding

Compound growth is the process by which returns themselves earn returns. Over short periods its effect is modest; over decades it becomes the dominant force in building wealth. This calculator combines a starting amount with optional regular contributions and applies a constant rate at the compounding frequency you choose. More frequent compounding helps a little, but the two inputs that matter most are time and the contribution you keep adding.

The figure to watch is how much of the final total is interest rather than money you put in. Given enough time, the growth can dwarf the contributions — which is the entire case for starting early and staying invested. As with all our planning tools, the rate is an assumption you set and is held constant for illustration; real investments fluctuate, and this is not a forecast of any specific return.