Compound interest calculator

Free · no sign-up

See how savings grow with compound interest and regular deposits — with a month-by-month schedule.

Starting amount

Monthly deposit

Annual rate, %

Years

Compounding

Future value

54,714

Total deposited

34,000

Total interest

20,714

Growth schedule

Month	Deposited	Interest	Balance
1	10,200	58	10,258
2	10,400	118	10,518
3	10,600	180	10,780
4	10,800	242	11,042
5	11,000	307	11,307
6	11,200	373	11,573
7	11,400	440	11,840
8	11,600	509	12,109
9	11,800	580	12,380
10	12,000	652	12,652
11	12,200	726	12,926
12	12,400	801	13,201
13	12,600	878	13,478
14	12,800	957	13,757
15	13,000	1,037	14,037
16	13,200	1,119	14,319
17	13,400	1,203	14,603
18	13,600	1,288	14,888
19	13,800	1,375	15,175
20	14,000	1,463	15,463
21	14,200	1,553	15,753
22	14,400	1,645	16,045
23	14,600	1,739	16,339
24	14,800	1,834	16,634
25	15,000	1,931	16,931
26	15,200	2,030	17,230
27	15,400	2,131	17,531
28	15,600	2,233	17,833
29	15,800	2,337	18,137
30	16,000	2,443	18,443
31	16,200	2,550	18,750
32	16,400	2,660	19,060
33	16,600	2,771	19,371
34	16,800	2,884	19,684
35	17,000	2,999	19,999
36	17,200	3,115	20,315
37	17,400	3,234	20,634
38	17,600	3,354	20,954
39	17,800	3,476	21,276
40	18,000	3,600	21,600
41	18,200	3,726	21,926
42	18,400	3,854	22,254
43	18,600	3,984	22,584
44	18,800	4,116	22,916
45	19,000	4,250	23,250
46	19,200	4,385	23,585
47	19,400	4,523	23,923
48	19,600	4,662	24,262
49	19,800	4,804	24,604
50	20,000	4,947	24,947
51	20,200	5,093	25,293
52	20,400	5,241	25,641
53	20,600	5,390	25,990
54	20,800	5,542	26,342
55	21,000	5,695	26,695
56	21,200	5,851	27,051
57	21,400	6,009	27,409
58	21,600	6,169	27,769
59	21,800	6,331	28,131
60	22,000	6,495	28,495
61	22,200	6,661	28,861
62	22,400	6,829	29,229
63	22,600	7,000	29,600
64	22,800	7,173	29,973
65	23,000	7,347	30,347
66	23,200	7,524	30,724
67	23,400	7,704	31,104
68	23,600	7,885	31,485
69	23,800	8,069	31,869
70	24,000	8,255	32,255
71	24,200	8,443	32,643
72	24,400	8,633	33,033
73	24,600	8,826	33,426
74	24,800	9,021	33,821
75	25,000	9,218	34,218
76	25,200	9,418	34,618
77	25,400	9,620	35,020
78	25,600	9,824	35,424
79	25,800	10,031	35,831
80	26,000	10,240	36,240
81	26,200	10,451	36,651
82	26,400	10,665	37,065
83	26,600	10,881	37,481
84	26,800	11,100	37,900
85	27,000	11,321	38,321
86	27,200	11,544	38,744
87	27,400	11,770	39,170
88	27,600	11,999	39,599
89	27,800	12,230	40,030
90	28,000	12,463	40,463
91	28,200	12,699	40,899
92	28,400	12,938	41,338
93	28,600	13,179	41,779
94	28,800	13,423	42,223
95	29,000	13,669	42,669
96	29,200	13,918	43,118
97	29,400	14,170	43,570
98	29,600	14,424	44,024
99	29,800	14,681	44,481
100	30,000	14,940	44,940
101	30,200	15,202	45,402
102	30,400	15,467	45,867
103	30,600	15,735	46,335
104	30,800	16,005	46,805
105	31,000	16,278	47,278
106	31,200	16,554	47,754
107	31,400	16,832	48,232
108	31,600	17,114	48,714
109	31,800	17,398	49,198
110	32,000	17,685	49,685
111	32,200	17,975	50,175
112	32,400	18,267	50,667
113	32,600	18,563	51,163
114	32,800	18,861	51,661
115	33,000	19,163	52,163
116	33,200	19,467	52,667
117	33,400	19,774	53,174
118	33,600	20,084	53,684
119	33,800	20,397	54,197
120	34,000	20,714	54,714

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📖GuidesWhat is compound interest? A plain-English guide→

See how money grows when interest earns interest. Enter a starting amount, an annual rate, how long you'll save and an optional monthly deposit — the calculator shows the future value, everything you put in, and the interest on top. Free, no sign-up.

✓Future value with compound interest
✓Add a regular monthly deposit
✓Choose the compounding frequency
✓Splits contributions vs interest earned
✓Free — updates as you type

Who it's for

Savings goals
Retirement planning
Comparing deposit accounts
Understanding investment growth

How it works

1Enter your starting amount.
2Set the annual rate and number of years.
3Add a monthly deposit and compounding.
4Read the future value and interest.

Frequently asked questions

What is compound interest?+

Interest calculated on your original amount and on the interest already added. Over time it grows faster than simple interest, which only ever pays on the original.

Does compounding frequency matter?+

Yes — more frequent compounding (monthly or daily vs yearly) earns slightly more at the same rate, because interest is added and starts earning sooner.

Is this financial advice?+

No. It's a maths tool for planning; real returns, fees and tax vary. Confirm figures with a professional before relying on them.