Money · savings
Compound Interest Calculator
See how your money grows over time.
Breakdown
The power of compounding
Compound interest means you earn interest on your interest, not just your original deposit. Over long periods this snowballs: the earlier you start and the longer you leave it, the more the growth accelerates. Adding a regular monthly deposit speeds it up further, because each contribution has its own time to compound.
Questions
How is compound interest calculated?
Your balance grows by the interest rate each period, and future interest is calculated on the new, larger balance. This tool compounds monthly and adds your monthly deposits.
Why does starting early matter so much?
Money invested earlier has more years to compound, so a small amount saved young can outgrow a larger amount saved later.
Is this guaranteed?
No. Real returns vary and are not fixed. This is an estimate for planning, not a promise of investment performance.