SAVINGS & INVESTING
Compound Interest Calculator
See how a starting balance and recurring contributions can grow through compound interest — and how much of the result comes from your money versus investment growth.
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01 · INPUTS
Build your scenario
02 · RESULT
Projected future value
Ending balance$0.00
Enter your assumptions to calculate growth.
Starting balance$0.00
Your contributions$0.00
Interest earned$0.00
Effective annual rate0.00%
Inflation-adjusted value$0.00
03 · MEANING
What drives the result?
Your result will separate the money you contribute from the growth created by compounding.
04 · GROWTH BREAKDOWN
See where the balance comes from
Starting balance Contributions Interest earned
05 · YEAR BY YEAR
How the balance compounds
Full-year checkpoints from the current scenario.
| Year | Balance | Contributions | Interest earned |
|---|
HOW IT WORKS
Compound growth rewards time.
Interest is added to the balance according to the selected compounding frequency. Future interest can then be earned on both the original money and earlier growth.
Contributions matter too
Recurring deposits increase the amount available to compound. Beginning-of-period contributions generally have more time to grow than otherwise identical end-of-period contributions.
Inflation changes purchasing power
The inflation-adjusted result estimates what the projected balance could represent in today's money. It is a planning estimate, not a guarantee of future returns or inflation.
FAQ
Compound interest questions
How are recurring contributions calculated?
Each contribution is added according to the selected frequency and timing. It can then participate in future compounding periods.
Does more frequent compounding increase growth?
At the same nominal annual rate, more frequent compounding generally produces a slightly higher effective annual rate.
What does inflation-adjusted value mean?
It converts the future projected balance into an estimate of today's purchasing power using the inflation assumption you enter.