Project the future value of your savings or investments with compound interest, regular contributions, and any rate.
Enter your investment parameters on the left to see how compound interest can help your money grow
Your initial investment earns interest, which is added to your principal.
Interest starts earning interest, creating exponential growth over time.
Monthly investments significantly accelerate your wealth building.
Cross-checked against authoritative formulas (IRS, NIST, ACM) and updated for 2025/2026 tax years and rates.
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Each calculator includes the formula, plain-English explanation, and FAQs so you understand the result.
Estimates only. Calculator results are for educational and planning purposes — not professional advice. For binding decisions on taxes, investments, health, or legal matters, consult a qualified professional.
FAQ
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It depends on the rate and time. $10,000 at 7% for 30 years with monthly compounding grows to $81,169. At 10% for 40 years, it grows to $452,593. Our compound interest calculator lets you enter any principal, rate, and time to see the exact future value. The compound interest calculator results show how much is from contributions vs interest earned.
How it works
Our compound interest calculator lets you project the future value of an investment with regular contributions and compound growth in five steps.
Type the amount you have already saved or invested. Use 0 if you are starting from scratch.
Type the expected annual return as a percentage. A diversified stock portfolio has historically returned about 7% after inflation.
Type how many years you plan to let the money grow. Compound interest is most powerful over long horizons.
Type how much you add each month. Even small regular contributions compound dramatically over decades.
The calculator shows the final balance, total contributions, interest earned, and a year-by-year growth table.
Learn how compound interest works, why it's so powerful, and how to harness its power for wealth building.
Understand how the time value of money principle underlies compound interest and all financial calculations.
Learn how much you need for retirement using the 4% rule, inflation adjustments, and Social Security estimates.