📈 Compound Interest Calculator
See exactly how your savings snowball over time with compounding returns and regular contributions.
Growth over time
🧮 The formula behind it
Compound interest earns "interest on your interest." Your future balance combines the growth of your starting amount plus your recurring contributions:
A = P(1 + r/n)^(nt) + PMT × [((1 + r/n)^(nt) − 1) / (r/n)]
Where P = initial principal, PMT = contribution per period, r = annual rate, n = periods per year, and t = years. Notice how r/n appears in the exponent — that compounding is what makes the curve accelerate upward.
Tips to maximize your returns
Small habits, big compounding effects.
Start early
Time is the single biggest factor in compounding. Starting 10 years earlier can nearly double your final balance.
Automate contributions
Set up automatic monthly transfers so you invest consistently without thinking about it.
Reinvest dividends
Reinvesting earnings keeps your money compounding rather than stalling your growth.