FINANCE / GROWTH
Compound Interest Calculator
Project a future balance from an initial principal, a rate, a time period, compounding frequency, and optional recurring contributions.
Set your growth inputs
The contribution is treated as an equal deposit each compounding period.
Projected balance
Your projection will appear here
Enter the assumptions, then calculate to see future value, contributions, and compound growth.
What the future value means
The result separates the projected balance from total money contributed. “Compound growth” is the difference between those two values under the rate and timing assumptions you entered.
Compounding frequency
Annual, quarterly, monthly, and daily options change how often the periodic rate is applied. The selected frequency also controls the recurring contribution timing.
Projection, not prediction
The calculation holds the entered annual rate constant and does not model taxes, fees, volatility, inflation, or changes to the contribution amount.
Frequently Asked Questions
What does this compound interest calculator show?
It projects future value, total contributions, and growth beyond contributions from the principal, annual rate, years, compounding frequency, and optional recurring contribution.
How are recurring contributions modeled?
The calculator treats the contribution as an equal amount added once per compounding period, then grows those contributions under the same rate assumption.
What is the compounding formula?
For the initial principal, the calculation follows A = P(1 + r/n)^(nt). Recurring contributions are added with an annuity-growth term using the same periodic rate.
What happens when the interest rate is zero?
With a zero rate, the projected value is the principal plus the recurring contributions, because there is no interest growth.
Is this an investment return guarantee?
No. It is a mathematical projection using your entered rate and timing assumptions, not a prediction or guarantee of investment performance.