Compound Interest Calculator
Estimate long-term future value and earnings from starting amount, contributions, rate, and compounding frequency.
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Plan savings and long-term investing scenarios
Compound Interest Calculator estimates future value from a starting amount, recurring contributions, rate, time, and compounding frequency. It helps compare long-term savings, deposits, and investment scenarios without building a spreadsheet.
Useful For
- Project monthly contribution plans
- Compare annual return assumptions
- Estimate total principal and compound earnings
Good To Know
Actual investment returns vary and may include taxes, fees, currency changes, and market risk.
Before You Rely On It
Tax rates, fees, exchange rates, and insurance rules can change by date and provider. Treat results as planning estimates and verify official sources before filing, signing, or paying.
Review Date And Limits
Rates and policies can change, so results are estimates for planning. Check official sources before filing, signing, or paying. Reviewed on Jul 2, 2026.
Make long-term projections more realistic
Inputs
- Separate starting balance from monthly contributions
- Keep annual rate and compounding frequency on the same basis
Compare
- Run optimistic, normal, and conservative return assumptions
- Review principal and earnings separately
Caution
- Account separately for taxes, fees, currency, and losses
- Check product documents and real costs before investing
Recurring contributions are treated as a planning assumption added regularly during the period. Real products may differ by deposit date and interest calculation rules.
The default result is a pre-tax compound estimate. Subtract income tax, fund fees, exchange fees, and trading costs separately.
If the rate is uncertain, compare conservative, base, and optimistic scenarios instead of relying on one fixed number.