Compound interest calculator
What it grows to, what you put in, and the difference between them.
Contributions are added monthly, at the end of each month. Amounts are in whatever currency you enter.
- Value at the end18,207.33
- Total you put in13,000.00
- Interest earned5,207.33
- Times your money1.401×
Compounding frequency is its own input
The same 5% is worth more compounded monthly than yearly, because the interest starts earning interest sooner: 1,000 for ten years comes to 1,628.89 compounded annually and 1,647.01 compounded monthly. The gap widens with the rate and the term, which is why the frequency is a field here rather than an assumption.
Contributions are separate from compounding on purpose. Paying in monthly to an account that compounds annually is a perfectly ordinary arrangement, and a calculator that ties the two together quietly answers a different question from the one you asked.
What this does not know
A fixed rate for the whole term, no tax, no fees, no inflation, and no year where the rate changes or the market falls. Real returns are none of those things. This is the arithmetic of compounding and nothing more — useful for comparing scenarios against each other, not for predicting what an account will actually hold in ten years.
“Times your money” is the end value divided by everything you put in, which is the honest version of a headline growth figure: it counts the contributions as money you provided rather than as returns.
