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Compound interest calculator
How savings and investments grow with interest and monthly contributions.
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About Compound interest calculator
See how savings or investments grow when the interest you earn is added to the balance and earns interest too. Enter the starting amount, regular deposits, yearly rate and number of years, and choose how often the interest is compounded (monthly, quarterly or yearly).
How to use Compound interest calculator
- Enter your starting amount and the interest rate.
- Add a monthly contribution and the number of years.
- Read the final balance and how much came from interest.
Why use this tool?
- Private: everything happens in your browser. Nothing you enter is uploaded.
- Free, with no sign-up, no watermark and no limit on how often you use it.
- Works on phones, tablets and computers: Android, iPhone, Windows, Mac and Linux. Nothing to install.
- Free to embed on your own website, with a ready-made code to copy.
- Available in 10 languages.
Also known as
Frequently asked questions
What is compound interest?
It is interest on interest. Each period's interest is added to the balance, so the next period's interest is calculated on a bigger amount. Over many years this snowball effect is large.
How often is interest compounded?
It depends on the account. Savings accounts usually compound monthly or daily, bonds often twice a year. More frequent compounding gives slightly more.
Why do monthly contributions matter so much?
Each deposit also earns interest in later periods. Regular contributions over many years can add far more than the starting amount alone, especially at higher rates.
Are the results a guarantee?
No. The calculation assumes a fixed rate and regular deposits. Real returns, fees, taxes and inflation vary, so treat the result as an estimate.
Is Compound interest calculator free?
Yes. Compound interest calculator on Toolipedia is free to use, with no sign-up and no watermark.
Is it safe to use?
Yes. Everything is worked out in your browser, and nothing you enter is sent to our server.
Does it work on my phone?
Yes. It works in any modern browser on Android and iPhone, as well as on tablets and computers. There's nothing to install.
Do I need an account?
No. Just open the page and use the tool. There's no sign-up and no email needed.
Can I put Compound interest calculator on my own website?
Yes. Use the Embed on your site button under the tool to copy a short piece of code and paste it into your page. It is free, needs no account, and the tool keeps working inside your page.