$
$
%
Final value
$0
Total contributed
$0
Total interest earned
$0
| Year | Balance |
|---|
Let compounding do the heavy lifting
Compound interest is the reason small, regular savings can grow into a large balance over time. It works by paying interest on your interest, so your money grows faster the longer it stays invested.
This calculator shows how your balance grows when you add a monthly contribution and let the interest reinvest. Change the rate, the years or the contribution and press calculate to compare different scenarios side by side.
How to read the results
The final value is what your balance would reach. Total contributed is the money you put in yourself, and total interest is the growth that compounding generated on top. The table breaks the growth down year by year so you can see the curve accelerate.
Frequently asked questions
What is compound interest?
It is interest earned on both your original money and the interest it already generated, making growth accelerate over time.
How accurate is this calculator?
It gives a good estimate for planning. Real returns vary with taxes, fees and market conditions, so treat the numbers as a projection, not a promise.
Is my data saved?
No. Everything runs locally in your browser and nothing you enter is stored or sent anywhere.