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📈 Compound Interest Calculator
Project savings growth over time
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About the Compound Interest Calculator
See how a starting balance plus regular monthly contributions grow over time with compound interest. Adjust the rate, term and compounding frequency to model different savings scenarios.
A good way to see why starting early matters, and to set realistic targets for an emergency fund, house deposit, pension or any long-term goal.
How it works
- Enter the starting balance and any regular contribution.
- Set the expected annual return and the term in years.
- Read the projected balance and total interest earned.
What you'll learn
- How compounding accelerates returns over time.
- The difference contributions make versus a one-off deposit.
- Why the first decade of saving disproportionately matters.
FAQs
- What return should I assume?
- A diversified equity portfolio has historically returned 6 to 8 percent before inflation, but the future is not guaranteed.
- Does this account for tax?
- No. Returns are pre-tax. Apply your own tax assumptions to the final balance.
Disclaimer: Projections only. Not investment advice.