Final balance
$0
Compound Interest Calculator
Project your future savings with recurring contributions, compounding growth, and optional inflation and contribution increases.
Inputs
0-1000000
0-25000
Base monthly contribution
Toggle to auto-calculate monthly contribution from Lifestyle Inflation.
0-20
1-60
0-15
Optional
0-20
Optional
Results
Total contributions
$0
Total interest earned
$0
Inflation-adjusted (3.0%/yr)
$0
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Lifestyle Inflation picks: 0 active habits
Lifestyle Inflation total: $0 / month
Growth chart
Projected balance by year.
Start (Y1)
$0
End (Y20)
$0
Total interest
$0
Total contributed
$0
Yearly breakdown
See how contributions and interest build over time.
Year 1
$0
Contributed (year)
$0
Total contributions
$0
Total interest
$0
Inflation-adjusted
$0
Year 2
$0
Contributed (year)
$0
Total contributions
$0
Total interest
$0
Inflation-adjusted
$0
Year 3
$0
Contributed (year)
$0
Total contributions
$0
Total interest
$0
Inflation-adjusted
$0
Year 4
$0
Contributed (year)
$0
Total contributions
$0
Total interest
$0
Inflation-adjusted
$0
Year 5
$0
Contributed (year)
$0
Total contributions
$0
Total interest
$0
Inflation-adjusted
$0
Year 6
$0
Contributed (year)
$0
Total contributions
$0
Total interest
$0
Inflation-adjusted
$0
Year 7
$0
Contributed (year)
$0
Total contributions
$0
Total interest
$0
Inflation-adjusted
$0
Year 8
$0
Contributed (year)
$0
Total contributions
$0
Total interest
$0
Inflation-adjusted
$0
Year 9
$0
Contributed (year)
$0
Total contributions
$0
Total interest
$0
Inflation-adjusted
$0
Year 10
$0
Contributed (year)
$0
Total contributions
$0
Total interest
$0
Inflation-adjusted
$0
Year 11
$0
Contributed (year)
$0
Total contributions
$0
Total interest
$0
Inflation-adjusted
$0
Year 12
$0
Contributed (year)
$0
Total contributions
$0
Total interest
$0
Inflation-adjusted
$0
Year 13
$0
Contributed (year)
$0
Total contributions
$0
Total interest
$0
Inflation-adjusted
$0
Year 14
$0
Contributed (year)
$0
Total contributions
$0
Total interest
$0
Inflation-adjusted
$0
Year 15
$0
Contributed (year)
$0
Total contributions
$0
Total interest
$0
Inflation-adjusted
$0
Year 16
$0
Contributed (year)
$0
Total contributions
$0
Total interest
$0
Inflation-adjusted
$0
Year 17
$0
Contributed (year)
$0
Total contributions
$0
Total interest
$0
Inflation-adjusted
$0
Year 18
$0
Contributed (year)
$0
Total contributions
$0
Total interest
$0
Inflation-adjusted
$0
Year 19
$0
Contributed (year)
$0
Total contributions
$0
Total interest
$0
Inflation-adjusted
$0
Year 20
$0
Contributed (year)
$0
Total contributions
$0
Total interest
$0
Inflation-adjusted
$0
How compound interest works
Compound interest means your money can grow from both your original deposits and the returns that have already been added over time. Regular monthly contributions can significantly increase long-term outcomes, especially over multi-decade periods.
Use this calculator to compare scenarios by adjusting contribution size, compounding frequency, inflation assumptions, and annual contribution increases. The yearly table and growth chart help you see how savings momentum builds.
Why compounding matters
Compound interest is often linked to the Einstein quote:"Compound interest is the eighth wonder of the world."
You will also hear:"Those who understand it, earn it. Those who do not, pay it."
Frequently asked questions
How does this compound interest calculator work?
It adds contributions at each period, applies your selected interest rate and compounding frequency, and projects balances over your chosen number of years.
Does it account for inflation?
Yes. Enter an inflation rate to view inflation-adjusted values and better estimate future purchasing power.
Can I increase my contributions each year?
Yes. Annual contribution increase lets you model progressive monthly savings.