Total Future Balance$54,714
Total Principal Invested$34,000
Compound Interest Earned$20,714
Forecast investment growth, compound interest accumulation, regular monthly contributions, and future wealth with interactive growth charts.
Calculate growth compounded Annually, Semi-Annually, Quarterly, Monthly, or Daily.
Model how adding $100, $500, or $1,000 per month accelerates compound growth.
Visual area chart showing Total Principal vs Total Interest Earned over 1 to 40+ years.
Model private investment portfolios with zero server tracking.
The Compound Interest Calculator computes future value using the compound formula: A = P(1 + r/n)^(nt) + PMT × [ ((1 + r/n)^(nt) - 1) / (r/n) ].
Where P is initial principal, r is annual interest rate, n is compounding frequency, t is time in years, and PMT is recurring contribution.
The growth trajectory and annual balances are computed locally in client JavaScript.
Project portfolio value after investing $500/month for 30 years at an 8% average market return.
Calculate how a $10,000 starting deposit with $200 monthly contributions grows over 18 years.
Calculate total interest earned on cash reserves in a 4.5% APY monthly compounding account.
Demonstrate how doubling periods shrink as compound return rates increase.
Compound interest is interest earned on both your initial principal and previously accumulated interest. Over time, this creates exponential growth.
Compounding more frequently (e.g. monthly vs annually) produces slightly higher returns because interest begins earning interest sooner.
The Rule of 72 is a quick way to estimate how many years it takes for an investment to double: divide 72 by your annual interest rate (e.g., at 8%, money doubles in ~9 years).
No. All calculations run strictly inside your local browser memory.
Yes. Softnag provides a detailed table displaying starting balance, deposits, interest earned, and ending balance for every year.
Compound interest is the interest earned on both your initial principal and previously accumulated interest, creating exponential growth over time.