Compound Interest Calculator
See how an investment grows with compounding and regular contributions.
700,000
Total contributed
436,694
Interest earned
1,136,694
Final balance
Simple interest on the same principal would earn 80,000 — compounding adds 356,694 on top, before counting your monthly contributions.
Balance by year
| Year | Contributed | Interest | Balance |
|---|---|---|---|
| 1 | 160,000 | 10,550 | 170,550 |
| 2 | 220,000 | 26,955 | 246,955 |
| 3 | 280,000 | 49,701 | 329,701 |
| 4 | 340,000 | 79,316 | 419,316 |
| 5 | 400,000 | 116,369 | 516,369 |
| 6 | 460,000 | 161,477 | 621,477 |
| 7 | 520,000 | 215,309 | 735,309 |
| 8 | 580,000 | 278,589 | 858,589 |
| 9 | 640,000 | 352,101 | 992,101 |
| 10 | 700,000 | 436,694 | 1,136,694 |
About Compound Interest Calculator
Compounding is the mechanism behind long-term investment growth: each period earns a return on everything accumulated so far, not just on the original deposit.
This calculator shows the final balance, total interest and a year-by-year breakdown, and supports regular monthly contributions on top of the initial principal.
How Compound Interest Calculator works in your browser
Each compounding period, interest is calculated on the whole balance — the original principal plus everything already earned — which is what makes growth accelerate over time. Regular monthly contributions are added to the balance as they are made, and the year-by-year table shows exactly how principal, contributions and interest accumulate.
The rate you enter is nominal. If you want the result in today’s purchasing power, enter a real rate instead: your expected return minus expected inflation.
When to use it
- Seeing how compounding frequency — monthly versus yearly — changes a long-term balance.
- Estimating the value of a fixed deposit or recurring savings plan at maturity.
- Showing someone the difference between simple and compound interest with real numbers.
Frequently asked questions
How does compounding frequency change the result?
More frequent compounding earns interest on interest sooner, so the effective annual rate rises slightly as frequency increases.
What is the difference from simple interest?
Simple interest is always calculated on the original principal. Compound interest is calculated on principal plus accumulated interest, which is what makes growth exponential.
Is inflation accounted for?
Not by default. Enter a real rate - your nominal rate minus expected inflation - if you want the answer in today money.