Initial Investment

$
$10,000

What is initial investment? ⓘ

Monthly Contribution

$
$500

What are monthly contributions? ⓘ

Annual Interest Rate

%
7%

What is interest rate? ⓘ

Investment Period

Years
20 Years

What is investment period? ⓘ

Compounding Frequency

Annually
Semi-Annually
Quarterly
Monthly
Daily

What is compounding frequency? ⓘ

Tax Rate (Optional)

%

What is tax rate? ⓘ

Advanced Settings

Inflation Rate

%

What is inflation? ⓘ

Contribution Increase

%

What is contribution increase? ⓘ

The Power of Compounding

See how small differences in interest rates or time can dramatically affect your final amount:

Example: $10,000 at 7% for 30 years = $76,123

Same investment at 8% = $100,627 (+32%)

Same investment for 40 years = $149,745 (+97%)

Investment Tips

  • Start Early: Time is your biggest advantage
  • Be Consistent: Regular contributions boost growth
  • Reinvest Dividends: Let earnings compound
  • Minimize Fees: Even 1% fee reduces returns by 28% over 30 years
  • Stay Invested: Avoid emotional decisions

Rule of 72

Quick way to estimate doubling time:

Years to double = 72 ÷ Interest Rate

At 7%: Doubles every ~10.3 years

At 10%: Doubles every ~7.2 years

At 12%: Doubles every ~6 years

Why Use Our Compound Interest Calculator?

Visual Growth

See your investment growth with interactive charts and graphs for better understanding.

Detailed Analysis

Get year-by-year breakdowns and understand how each factor affects your returns.

Scenario Comparison

Compare different investment strategies and see which works best for your goals.

Advanced Calculations

Includes tax, inflation, and contribution increases for realistic projections.

Mobile Friendly

Use on any device - perfect for quick calculations on the go.

100% Private

Your data never leaves your browser - all calculations happen locally.