Compound Interest Calculator
Project investment growth with compound interest and regular contributions. See a year-by-year breakdown of principal and interest.
1–60
Year-by-year breakdown
| Year | Contributed | Interest | Balance |
|---|---|---|---|
| 1 | 12,400 | 801 | 13,201 |
| 2 | 14,800 | 1,834 | 16,634 |
| 3 | 17,200 | 3,115 | 20,315 |
| 4 | 19,600 | 4,662 | 24,262 |
| 5 | 22,000 | 6,495 | 28,495 |
| 6 | 24,400 | 8,633 | 33,033 |
| 7 | 26,800 | 11,100 | 37,900 |
| 8 | 29,200 | 13,918 | 43,118 |
| 9 | 31,600 | 17,114 | 48,714 |
| 10 | 34,000 | 20,714 | 54,714 |
| 11 | 36,400 | 24,747 | 61,147 |
| 12 | 38,800 | 29,246 | 68,046 |
| 13 | 41,200 | 34,244 | 75,444 |
| 14 | 43,600 | 39,776 | 83,376 |
| 15 | 46,000 | 45,882 | 91,882 |
| 16 | 48,400 | 52,603 | 101,003 |
| 17 | 50,800 | 59,983 | 110,783 |
| 18 | 53,200 | 68,070 | 121,270 |
| 19 | 55,600 | 76,915 | 132,515 |
| 20 | 58,000 | 86,573 | 144,573 |
A nominal projection in today's currency, before inflation, tax and fees. This is arithmetic, not financial advice.
About Compound Interest Calculator
Model how a balance grows when interest earns interest. Set a starting amount, a rate, a term and any regular contribution, and the year-by-year table separates what you put in from what the interest added. This is an arithmetic projection, not financial advice.
How to use it
- Enter your starting balance and interest rate.
- Set the term and compounding frequency.
- Add a regular contribution if you make one.
- Review the totals and the year-by-year table.
Frequently asked questions
What is the compound interest formula?
A = P(1 + r/n)^(nt), where P is the principal, r the annual rate as a decimal, n the compounding periods per year and t the number of years. Regular contributions add a future-value-of-an-annuity term.
How much does compounding frequency matter?
Less than most people expect. At 7% over 10 years, monthly compounding beats annual by roughly 2 percent of the final balance. Rate and time dominate.
Does this account for inflation or tax?
No. Results are nominal. To think in today's money, subtract your expected inflation rate from the interest rate to get a real return.
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