Compound interest calculator

Free · no sign-up

See how savings grow with compound interest and regular deposits.

Starting amount

Monthly deposit

Annual rate, %

Years

Compounding

Future value

54,714

Total deposited

34,000

Total interest

20,714

📖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.