Compound Interest Calculator

Enter your starting balance, any regular monthly contribution, the annual return you expect and the number of years you plan to stay invested. Choose how often returns compound — monthly, quarterly or annually — and the calculator projects your final balance, splitting it into what you put in and what growth added.

The annual growth chart makes the shape of compounding visible: progress looks modest for the first few years and then accelerates sharply as returns start earning returns of their own. Try changing one input at a time to see which lever matters most for your situation, whether that is contributing more each month, earning a higher rate, or simply leaving the money invested for longer.