Compound Interest CalculatorPrincipal × Regular Contributions × Compound Growth, Visualized
Enter Your Investment
Under these assumptions, your money grows to 2.49× what you put in. That's the power of compounding.
Compound Growth Chart
Year-by-Year Breakdown
| Year | Contributed | Interest | Balance |
|---|---|---|---|
| 1 | 12,400 | 801 | 13,201 |
| 2 | 14,800 | 1,834 | 16,634 |
| 3 | 17,200 | 3,115 | 20,315 |
| 4 | 19,600 | 4,662 | 24,262 |
| 5 | 22,000 | 6,495 | 28,495 |
| 6 | 24,400 | 8,633 | 33,033 |
| 7 | 26,800 | 11,100 | 37,900 |
| 8 | 29,200 | 13,918 | 43,118 |
| 9 | 31,600 | 17,114 | 48,714 |
| 10 | 34,000 | 20,714 | 54,714 |
| 11 | 36,400 | 24,747 | 61,147 |
| 12 | 38,800 | 29,246 | 68,046 |
| 13 | 41,200 | 34,244 | 75,444 |
| 14 | 43,600 | 39,776 | 83,376 |
| 15 | 46,000 | 45,882 | 91,882 |
| 16 | 48,400 | 52,603 | 101,003 |
| 17 | 50,800 | 59,983 | 110,783 |
| 18 | 53,200 | 68,070 | 121,270 |
| 19 | 55,600 | 76,915 | 132,515 |
| 20 | 58,000 | 86,573 | 144,573 |
For education and estimation only. The return rate is an assumption and does not guarantee any real investment result. Actual outcomes are affected by market volatility, taxes and fees.
Compound interest is the most powerful wealth engine there is
Compound interest is often called the "eighth wonder of the world." The idea is simple: the interest you earn is rolled back into your principal and starts earning interest too, so the longer you wait, the more your money accelerates exponentially. This calculator gives you more than a single number — it plots the growth year by year so you can literally watch the "contributions" line and the "balance with interest" line pull further and further apart.
How regular contributions amplify compounding
A one-time lump sum already grows nicely, but adding monthly or yearly contributions (dollar-cost averaging) makes the effect dramatic. Set the contribution to 0 to see pure lump-sum compounding, or add a fixed amount to compare. Learn more from the Wikipedia article on compound interest.
Why compounding frequency and rate matter
For the same annual return, higher compounding frequency (monthly > quarterly > yearly) yields slightly more. And a tiny difference in annual return becomes an enormous gap over decades — which is why keeping investment costs low and staying invested longer matters so much. Pair this with our FIRE calculator and rent-vs-buy calculator to plan your long-term financial picture.
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