Compound Interest Calculator
Calculate your future investment value with compounding interest. Enter your starting amount, interest rate, time, and compounding frequency to see total growth and interest earned.
Final Amount (A)
$0
Total Interest
$0
Calculate your future investment value with compounding interest. Enter your starting amount, interest rate, time, and compounding frequency to see total growth and interest earned.
The Compound Interest Calculator helps you visualize how your investment grows over time using the power of compound interest. Unlike simple interest—which only applies interest to your principal— compound interest earns interest on both your principal and previously accumulated interest, leading to exponential long-term growth.
A = P × (1 + r/n)^(n × t)
Where:
A = Final amount
P = Principal (initial deposit)
r = Annual interest rate (decimal)
n = Compounds per year
t = Time in years
P = $10,000
r = 5%
t = 10 years
n = 12 (monthly)
A ≈ $16,470.09
Interest Earned ≈ $6,470.09
Simple interest grows linearly, while compound interest grows exponentially. Over long periods, compound interest produces dramatically higher returns.
• U.S. SEC – Compound Interest Basics
• FINRA – Savings and Investment Growth
• Investopedia – Compound Interest Guide