Calculator Tools

Compound Interest Calculator

Calculate how your investment or savings grow with compound interest. Enter principal, annual rate, compounding frequency, and time period to see total value, interest earned, effective annual rate, and a year-by-year growth table.

Step-by-step results shown No sign-up required Browser-only — no upload
Final Value
Total Interest
Total Contributed
Effective APY

Year-by-year growth

YearBalanceInterestContributions

Features

  • Daily, weekly, monthly, quarterly, semi-annual, annual compounding
  • Shows total value, total interest, and effective annual rate (APY)
  • Year-by-year growth table
  • Optional regular contribution (monthly deposit)
  • Inflation-adjusted real return mode
  • Starting date support for accurate calculations
  • Export results as CSV
  • No account, browser-only

How to use it

  1. Enter the principal amount (initial investment).
  2. Set the annual interest rate (%).
  3. Choose the compounding frequency.
  4. Enter the time period in years.
  5. Optionally add a regular monthly contribution.
  6. View total value, interest earned, and the year-by-year table.

Use cases

  • Planning retirement savings growth
  • Comparing savings accounts with different compounding frequencies
  • Evaluating investment returns over time
  • Understanding the cost of compound interest on loans

Limitations

  • Browser processing depends on available device memory for very large inputs.
  • Tool-specific limits based on file format or browser support are noted on each tool page.
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Questions & answers

Frequently asked

What is APY vs APR?

APR is the nominal annual rate. APY (Annual Percentage Yield) is the effective rate after compounding — always higher than APR when compounding is more frequent than annually.

Does it account for taxes on interest?

Not currently. The calculator shows gross returns before any tax. Adjust the rate manually to model after-tax returns.