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Compound Interest Calculator

What is this tool?

A compound interest calculator that projects the future value of savings or an investment based on an initial deposit, optional regular contributions, an annual interest rate, and a time horizon. It illustrates how compounding can accelerate growth over longer periods.

When to use it

  • Comparing how different interest rates affect long-term savings growth
  • Estimating the future value of a savings account or investment
  • Seeing the impact of adding regular contributions over time
  • Exploring how starting earlier changes the outcome
  • Getting a general, illustrative projection before discussing options with a financial advisor

How to use it

  1. 1Enter your initial deposit amount.
  2. 2Add an optional regular contribution amount and frequency.
  3. 3Enter an estimated annual interest rate and the number of years to project.
  4. 4Review the projected total, including a breakdown of contributions versus interest earned.

Frequently asked questions

Does this calculator guarantee investment returns?

No. It produces an illustrative projection based on the rate and inputs you provide. Actual investment or savings returns vary and are not guaranteed.

Can I include regular contributions in the projection?

Yes. You can add a recurring contribution amount and frequency alongside your initial deposit.

Does the calculator account for taxes or fees?

No, unless you factor them into the interest rate or contribution amounts yourself. The tool does not model taxes or account fees automatically.

Is this financial advice?

No. This tool is for general informational and educational purposes only. Speak with a licensed financial advisor for advice tailored to your situation.