Compound Interest Calculator

Project how your savings grow with compound interest, monthly contributions and any compounding frequency.

Initial deposit ($)

Monthly contribution ($)

Annual rate (%)

Years

Compounds

The power of compounding

Compound interest earns returns on your returns. Starting early beats investing more later — even small monthly contributions snowball over decades. This calculator assumes a constant annual rate and reinvested gains.

Frequently Asked Questions

What is a realistic return rate?

Long-term stock market averages are ~7–10% before inflation; savings accounts are far lower.

Is this financial advice?

No — it's an educational projection. Actual returns vary and investing involves risk.

Does it account for inflation?

No. Subtract ~2–3% from the rate for a rough inflation-adjusted view.