Compound Interest Calculator
See how savings grow when interest compounds over time. Compare rates and periods before you invest. Results are estimates for planning, not financial advice.
Future value
$54,713.58
- Total deposits
- $34,000.00
- Interest earned
- $20,713.58
| Year | Deposits | Interest | Balance |
|---|---|---|---|
| 1 | $12,400.00 | $801.42 | $13,201.42 |
| 2 | $14,800.00 | $1,834.27 | $16,634.27 |
| 3 | $17,200.00 | $3,115.28 | $20,315.28 |
| 4 | $19,600.00 | $4,662.39 | $24,262.39 |
| 5 | $22,000.00 | $6,494.83 | $28,494.83 |
| 6 | $24,400.00 | $8,633.24 | $33,033.24 |
| 7 | $26,800.00 | $11,099.74 | $37,899.74 |
| 8 | $29,200.00 | $13,918.03 | $43,118.03 |
| 9 | $31,600.00 | $17,113.55 | $48,713.55 |
| 10 | $34,000.00 | $20,713.58 | $54,713.58 |
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Tasks
Plan long-term savings
Set balance, rate, years, compounding, and optional monthly deposit.
How to use
- Enter starting balance and rate.
- Choose years and compounding.
- Optionally add a monthly deposit.
- Read future value and the year-by-year table.
FAQ
What inputs control the growth estimate?
Principal, interest rate, time, and compounding frequency drive the projection. Small rate or tenure changes can change the final balance a lot.
Does this include taxes or inflation?
No. The result is a mathematical compound-interest estimate only. Taxes, fees, and inflation would reduce real returns—plan with those in mind separately.
Is this financial advice?
No. Use it to compare scenarios. Investment products and bank rates differ; confirm details with your provider or adviser.
Is my data private?
Your amounts and rates are computed in the browser and are not uploaded for the projection.