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Compound Interest Calculator

Calculators · Done in 3 steps

Stays on your deviceFree · No sign-up
  1. 1Enter your deposit
  2. 2
  3. 3
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About

Project savings growth with compound interest and regular contributions — any compounding frequency, yearly table, chart and CSV export.

How to use it

  1. 1Enter your starting deposit, annual interest rate and number of years.
  2. 2Choose how often interest compounds (annually to continuously).
  3. 3Add a regular contribution, how often you make it, and whether it’s at the start or end of each period.
  4. 4Review the final balance, the chart and the year-by-year table; download it as CSV.
You give
Deposit, rate, years, compounding frequency, contributions
You get
Final balance, total interest, APY, chart and yearly table
Good to know
Assumes a fixed rate for the whole period and ignores taxes, fees and inflation. Up to 100 years. Every input is saved in the page URL, so you can bookmark or share a result.
Privacy
Processed on your device. Nothing is uploaded, stored or logged.
Last tested
2026-10-28

FAQ

Does compounding frequency matter much?

Less than people think: 7% compounded monthly is 7.23% a year (APY), daily is 7.25%. The rate and time invested matter far more.

What’s the rule of 72?

Divide 72 by the annual rate to estimate how many years it takes to double your money: at 6% about 12 years.

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