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Compound Interest Calculator

Calculate compound growth with deposits and a clear split between principal, contributions, and interest.

Inputs

Results update as you edit.

$
%
$

Compound balance

$37,297.41

Results update as the calculator inputs change.

Interest earned

$14,297.41

Total deposits

$18,000.00

Compounding periods

180

Balance multiple

7.46x

How to Calculate Compound Interest

Interest on Interest
Compounding adds earned interest to the balance so the next period earns interest on a larger base.
Deposits
Periodic deposits increase principal and can become a major part of the ending balance.
Time
More periods give compounding more chances to build value.

How Compound Interest Builds Wealth

Compound interest combines principal, rate, time, deposit schedule, and compounding frequency. The calculator shows total contributions, interest earned, and final balance.

What Factors Affect Compound Interest?

Initial Balance

The starting amount begins earning interest immediately.

Annual Rate

The stated rate determines the growth applied across periods.

Deposit Amount

Recurring deposits can steadily increase the compounding base.

Frequency

Daily, monthly, quarterly, or annual compounding changes how often interest is credited.

Years

Long horizons give interest more time to accumulate.

Inflation and Taxes

Real after-tax growth may be lower than the nominal result.

Ways to Use Compound Interest

Savings Projection

Estimate how deposits and interest may build over time.

Goal Planning

Test the balance needed to reach a target by a specific date.

Rate Comparison

Compare high-yield savings, CDs, or investment assumptions.

Frequently Asked Questions

What is the compound interest formula?

A common formula is A = P(1 + r/n)^(nt), with adjustments for recurring deposits when they are included.

Is daily compounding much better than monthly?

It can help, but the difference is often smaller than changing the rate, contribution, or time horizon.

Can compound interest apply to debt?

Yes. Compounding can work against you on debt if unpaid interest is added to the balance.

Does this include taxes?

No. Tax treatment depends on account type, income type, and jurisdiction.

Why does time matter so much?

Early balances and deposits have more periods to earn interest on prior interest.