Compound Interest Calculator
Live future value with optional regular deposits.
Investment details
AI insight
Visual breakdown
📖 Learn More
Learn how compound interest works and how to leverage it for long-term financial success.
Read Full Guide →How to use
- Fill in the required fields carefully.
- Click Calculate.
- Check the result panel for the answer and extra details.
How this tool works
Compound interest earns interest on both principal and previously credited interest. This tool also supports regular deposits so you can model savings with recurring contributions.
Formula
With compounding frequency n per year, period rate r = annual rate ÷ n ÷ 100. Future value of principal and of an annuity of deposits are summed over years × n periods.
Example
Starting with 10,000, adding 500 each month, at 10% compounded monthly for 5 years produces a future value greater than total cash invested.
Frequently asked questions
What compounding frequency should I choose?
Match your product: many savings accounts compound monthly or quarterly; check your statement.
Are deposits assumed at period end?
The model uses a standard future-value-of-annuity style assumption suitable for planning estimates.