Compound Interest Calculator

Estimate future value with recurring contributions and compound growth. Adjust the assumptions, review the output, and use the recommendations below to compare products or plan the next step.

Starting amount$Monthly contribution$Annual return7%Years invested20

Your result

At 7.0% annual growth, the investment could reach $300,851.

Future value$300,851

Total contributed$130,000

Interest earned$170,851

Time horizon20 years

Future value sources

Contributions130,000

Growth170,851

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How this calculator works

Compound interest means each period's return is added to the balance, so the next period earns interest on a larger base. We compound on the schedule you choose and add your contributions across the term.

Formula transparency

FV = P(1 + r/k)^(kt) + C · ((1 + r/k)^(kt) − 1) / (r/k)

Future value of a lump sum = P · (1 + r/k)^(k·t). With recurring contributions C made k times per year: FV_contrib = C · ((1 + r/k)^(k·t) − 1) / (r/k). Total = lump-sum FV + contribution FV.

FAQ

How accurate is the Compound Interest Calculator?

The Compound Interest Calculator is a planning tool. It uses your inputs and standard formulas, but final decisions should include taxes, fees, vendor pricing, and professional advice where relevant.

Can I share or embed this calculator?

Yes. Use the share button or embed code on the page to reference the tool from an article, client report, or website.

What should I do after using this calculator?

Compare the estimate against real products, pricing pages, and your own historical data before choosing a vendor or budget.

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