Compound Interest Calculator

Visualize the power of compound interest. See how your investments grow over time with regular contributions and compounding returns.

Starting amount you're investing today
$
Amount you'll add each month
$
120 years40
Expected average annual return
1%7%15%
$284,562
Future Value
$130,000
Total Contributions
$154,562
Total Interest Earned
119%
Interest as % of Principal
📊 Investment Breakdown
Initial: $10,000
Contributions: $120,000
Interest: $154,562
Growth Over Time

The Power of Compound Interest

Compound interest is when you earn interest on both your original investment AND the interest you've already earned. Einstein allegedly called it the "eighth wonder of the world."

A = P(1 + r/n)^(nt) + PMT × (((1 + r/n)^(nt) - 1) / (r/n))

Where A = future value, P = principal, r = annual rate, n = compounds per year, t = years, PMT = regular contribution.

The key insight: time is your greatest ally. Starting early, even with smaller amounts, beats starting late with larger amounts due to compound growth.

Disclaimer: This calculator is provided for educational and informational purposes only. Results are estimates based on the inputs you provide and may contain errors or inaccuracies. This tool does not constitute professional financial, investment, or tax advice. Individual circumstances vary, and you should consult with a qualified financial advisor, accountant, or other professional before making any financial decisions. We make no guarantees regarding the accuracy, completeness, or reliability of the calculations or results provided.

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