Compound Interest Calculator

Explore the relationship between contributions, compound growth, and inflation.

The calculators are free to explore, with no sign-up. Calculations stay on your device.

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Small changes. Different scenarios.

Compounding means each period’s return is applied to the existing balance, including earlier returns. Regular contributions change that balance too. This tool separates the money contributed from calculated growth or loss, so the difference is easy to explore.

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Frequently asked questions

What can I explore with this calculator?

See how a starting amount, monthly contributions, time, and an assumed return work together. The results separate money contributed from calculated growth or loss.

How can I compare different return assumptions?

Change the assumed annual return to update the balance and comparison table. You can explore positive, zero, or negative rates. The scenarios are illustrations, not forecasts.

What does the chart show?

It compares the scenario balance with the total money contributed over time. The Yearly figures section below the calculator shows the amounts year by year.

What does today’s-money value show?

It shows the final balance adjusted for your inflation assumption, to illustrate its purchasing power in today’s terms. Change the inflation rate to compare the effect.

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