finance
Compound Interest Calculator
Enter your principal, interest rate, compounding frequency and time period to see exactly how your investment grows year by year. Includes a full growth chart and yearly breakdown table.
Final balance
$59.0K
Total contributions
$34.0K
Total interest
$25.0K
Return on investment
73.6%
Growth over 10 years
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2
3
4
5
6
7
8
9
10
ContributionsInterest earned
Contributions 58%Interest 42%
Show year-by-year breakdown
| Year | Balance | Interest earned | Total invested | Total interest |
|---|---|---|---|---|
| 1 | $13.3K | +$936.58 | $12.4K | $936.58 |
| 2 | $17.0K | +$1.2K | $14.8K | $2.2K |
| 3 | $20.9K | +$1.5K | $17.2K | $3.7K |
| 4 | $25.1K | +$1.8K | $19.6K | $5.5K |
| 5 | $29.7K | +$2.2K | $22.0K | $7.7K |
| 6 | $34.7K | +$2.6K | $24.4K | $10.3K |
| 7 | $40.0K | +$3.0K | $26.8K | $13.2K |
| 8 | $45.9K | +$3.4K | $29.2K | $16.7K |
| 9 | $52.2K | +$3.9K | $31.6K | $20.6K |
| 10 | $59.0K | +$4.4K | $34.0K | $25.0K |
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Growth projected? Calculate exact ROI on an investment, or manage your budget.ROI Calculator
What is compound interest?
Compound interest is interest calculated on both your initial principal and the accumulated interest from previous periods. Unlike simple interest, compounding accelerates growth — the longer you invest, the more powerful the effect becomes.
The power of regular contributions
Adding regular monthly contributions dramatically increases your final balance. Even a small monthly addition of $100–200 can double your outcome over a 20-year period thanks to compounding on those contributions.