Compound Interest Calculator
See how money grows with compound interest and contributions over time, with a year-by-year breakdown. A compound interest calculator shows how money can grow over time when interest is reinvested. Add contributions to see how consistent saving interacts with compounding.
Inputs
$
$
%
Results
Ending balance
$145,180.47
Total contributions$58,000.00
Total interest$87,180.47
Approx. monthly rate0.5833%
Year-by-year growth
| Year | Contributions | Interest | Balance |
|---|---|---|---|
| 1 | $12,400.00 | $815.88 | $13,215.88 |
| 2 | $14,800.00 | $1,864.23 | $16,664.23 |
| 3 | $17,200.00 | $3,161.86 | $20,361.86 |
| 4 | $19,600.00 | $4,726.80 | $24,326.80 |
| 5 | $22,000.00 | $6,578.36 | $28,578.36 |
| 6 | $24,400.00 | $8,737.26 | $33,137.26 |
| 7 | $26,800.00 | $11,225.74 | $38,025.74 |
| 8 | $29,200.00 | $14,067.59 | $43,267.59 |
| 9 | $31,600.00 | $17,288.39 | $48,888.39 |
| 10 | $34,000.00 | $20,915.51 | $54,915.51 |
| 11 | $36,400.00 | $24,978.33 | $61,378.33 |
| 12 | $38,800.00 | $29,508.35 | $68,308.35 |
| 13 | $41,200.00 | $34,539.34 | $75,739.34 |
| 14 | $43,600.00 | $40,107.52 | $83,707.52 |
| 15 | $46,000.00 | $46,251.72 | $92,251.72 |
| 16 | $48,400.00 | $53,013.58 | $101,413.58 |
| 17 | $50,800.00 | $60,437.75 | $111,237.75 |
| 18 | $53,200.00 | $68,572.11 | $121,772.11 |
| 19 | $55,600.00 | $77,468.00 | $133,068.00 |
| 20 | $58,000.00 | $87,180.47 | $145,180.47 |
How to use it
- Enter starting principal and interest rate.
- Choose a time horizon and compounding frequency.
- Add recurring contributions if you want to model saving over time.
- Review ending balance, total contributions, and interest earned.
Key formulas
- Compound growth
- FV = P × (1 + r/n)^(n×t)
FAQ
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Disclaimer
Educational estimates only. Not financial advice. Returns are not guaranteed.