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Compound Interest

Calculate compound interest with principal, annual rate and term.

Future value
40,387.39
Total interest
30,387.39
Multiplier
4.039 ×
Year-by-year
Year 110,722.90
Year 211,498.06
Year 312,329.26
Year 413,220.54
Year 514,176.25
Year 615,201.06
Year 716,299.94
Year 817,478.26
Year 918,741.77
Year 1020,096.61
Year 1121,549.40
Year 1223,107.21
Year 1324,777.63
Year 1426,568.81
Year 1528,489.47
Year 1630,548.97
Year 1732,757.36
Year 1835,125.39
Year 1937,664.61
Year 2040,387.39
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Compound interest is why small, regular savings grow into something real over time, and also why it is hard to picture in your head. Enter a principal, an annual rate and a number of years to see how the balance grows, with the interest earned split out from what you put in.

1000
Watch savings compound

How to use: Compound Interest

  1. 1Enter inputEnter the starting principal.
  2. 2Set optionsEnter the annual interest rate (%) and the term in years.
  3. 3ProcessChoose the compounding frequency (e.g. yearly or monthly) and add regular contributions if you like.
  4. 4Get resultClick Calculate to see the final balance, interest earned and year-by-year growth.

Common use cases

Plan savingsSee what a deposit could grow to over five, ten or twenty years at a given rate.
Compare compoundingWatch how monthly versus yearly compounding changes the end balance.
Set a goalWork backwards from a target to see what rate, or how many years, it takes.
Understand the curveSee why the growth speeds up later, as interest starts earning interest.

Good to know

Compounding frequency mattersInterest added monthly grows faster than the same rate added once a year, because each addition then earns too. Match the frequency to your account.
Real returns are not fixedA savings rate can change and an investment can fall as well as rise. A single fixed rate is a smooth model, not a guarantee.
Inflation eats the gainA balance that grows on paper buys less if prices rise faster. For a real-terms view, compare the rate with inflation.
Tax can applyInterest is often taxable, which trims the headline figure. The exact rules depend on where you are.

Frequently Asked Questions