Compound Interest Calculator

Calculate how your investment grows with compound interest and monthly contributions.

Your Investment

Future Value
$—
Total Invested
$—
Total Interest
$—
Growth
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What if you invest more?

$100/month
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$200/month
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$500/month
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Key Insight
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When will you reach your goal?

$
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Investment Growth Over Time

See how your investment grows year by year with compound interest and regular contributions.

Year Portfolio Value Total Invested Total Interest
Power of Compounding
The longer you stay invested, the faster your money grows

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Compound Interest Examples

Monthly Investment Years Return Final Value
$100 20 7% $52,000+
$200 20 7% $104,000+
$500 25 8% $470,000+

What is Compound Interest?

Compound interest is when your investment earns returns, and those returns generate additional returns over time.

Instead of earning interest only on your initial investment, you earn interest on both your original capital and accumulated gains.

Why It Matters

  • • Your money grows exponentially over time
  • • Small contributions become large amounts
  • • Time is more important than timing

Compound Interest FAQ

How does compound interest work?

Compound interest works by earning interest on both your initial investment and previously earned interest.

How often should interest be compounded?

More frequent compounding (monthly or daily) leads to slightly higher returns over time.

Is 7% a realistic return?

Historically, the stock market has returned around 7%–10% annually over the long term.