Compound Interest Calculator
Calculate investment returns with compound interest. Visualize growth, compare scenarios, and plan your financial future.
Final Amount
Enter values and click Calculate
✨ Key Features
Everything you need to calculate and visualize compound interest
Multiple Modes
Calculate lump sum, regular investments, or mixed scenarios
Visual Charts
Interactive charts showing principal vs interest growth over time
Accurate Formulas
Uses standard compound interest formulas for precise calculations
Mobile Friendly
Works perfectly on all devices - desktop, tablet, and mobile
Privacy First
All calculations happen in your browser - no data sent to servers
Completely Free
No registration, no limits, no hidden costs - use as much as you want
🎯 Perfect For
Discover how different people use our compound interest calculator
Investors & Savers
Plan retirement savings, compare investment options, and understand the power of compound growth over time.
Students & Educators
Learn compound interest concepts, understand financial formulas, and visualize exponential growth.
Financial Advisors
Demonstrate investment potential to clients, create financial plans, and show the impact of regular contributions.
Content Creators
Create financial content, generate charts for articles, and explain compound interest to your audience.
❓ Frequently Asked Questions
Everything you need to know about compound interest
What is compound interest?
Compound interest is interest calculated on both the initial principal and the accumulated interest from previous periods. The formula is: A = P(1 + r/n)^(nt) where A is final amount, P is principal, r is annual rate, n is compound frequency, and t is time in years.
How is compound interest different from simple interest?
Simple interest is calculated only on the principal amount, while compound interest is calculated on the principal plus accumulated interest. Over time, compound interest grows exponentially faster than simple interest, making it much more powerful for long-term investments.
What is the Rule of 72?
The Rule of 72 is a quick way to estimate how long it takes for an investment to double. Divide 72 by your annual interest rate. For example, at 8% annual return, your money doubles in approximately 72 ÷ 8 = 9 years.
How does compound frequency affect returns?
More frequent compounding (daily vs annually) results in slightly higher returns because interest is calculated and added more often. However, the difference is usually small. For example, $10,000 at 8% for 10 years: annually = $21,589, monthly = $22,196, daily = $22,255.
What are realistic investment returns?
Historical stock market returns average 7-10% annually (S&P 500 ~10% long-term). Bonds typically return 3-5%. Savings accounts 0.5-2%. Remember: past performance doesn't guarantee future results, and higher returns usually mean higher risk.
⭐ What Users Say
Join thousands of satisfied users planning their financial future
"This calculator helped me visualize my retirement savings plan. The charts make it easy to see how regular contributions compound over time. Eye-opening!"
"Perfect tool for teaching my students about compound interest. The visual representation makes complex concepts easy to understand. Highly recommended!"
"I use this to show clients the power of starting early. The comparison between different scenarios is incredibly powerful for financial planning."
Based on 3,521+ user reviews
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